Mortgages
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Our expert mortgage team helps newcomers secure mortgages with low down payments, flexible terms, and personalized support.
Our expert mortgage team helps newcomers secure mortgages with low down payments, flexible terms, and personalized support.
Relocating to a new country is exciting, but navigating the mortgage process can be challenging for newcomers. We simplify this journey by providing tailored mortgage solutions to make homeownership a reality, even if you have a limited Canadian credit history.
As a new resident, you may encounter obstacles such as:
We review your employment history, credit score, and finances, as well as assess your eligibility based on your residency status, such as work permit, permanent residency, or citizenship.
We secure your pre-approval with the best rate and lender, considering your minimal Canadian credit history and working with lenders who specialize in helping newcomers.
We help you select the right mortgage type and rate, explain fixed versus variable options, and guide you through gathering the necessary documents to submit a strong application for full lender approval.
With our white-glove service, we make the closing process seamless, helping you provide your down payment and ensuring every detail is handled for an easy transition to your new home.
Even with limited or no Canadian employment or credit history.
We assist those with valid work permits.
We help individuals with investment income or other foreign earnings.
We support those on the path to employment or already employed in Canada.
Buy a Home with Confidence
Get pre-approved to understand how much home you can afford.
Benefit from a 120-day interest rate guarantee, giving you time to find the perfect home.
Qualify for up to 30 years to repay your mortgage.
You may be able to pay as little as 5% down payment, making homeownership more accessible.
Personalized support for every step of the mortgage process.
Access to programs that fit your unique newcomer profile.
Stress-free, multilingual support to make your transition to homeownership seamless.
Customized mortgage solutions that fit your lifestyle and budget.
We ensure you make informed decisions with confidence.
Securing the most competitive rates and terms available, saving you money and maximizing your investment.
Yes, newcomers can qualify for a mortgage in Canada. Permanent residents and temporary residents with valid work permits may be eligible, even if they have limited or no Canadian credit history.
Newcomers typically need a minimum down payment of 5% for homes priced under $500,000. For homes priced between $500,000 and $1,500,000, a 10% down payment is usually required. Non-permanent residents may face higher down payment requirements.
No, you do not need an established Canadian credit history to qualify for a mortgage as a newcomer. Lenders may consider alternative documentation, such as international credit reports and proof of timely payments on bills.
Various banks and lenders offer mortgage programs specifically designed for newcomers. These programs often provide flexible terms and may include options for those with limited employment history or credit.
Please reach out to our team of mortgage specialists to secure the best mortgage rates. We can help you navigate the options available and find competitive rates tailored to your financial situation. Contact us
After you submit the form, we’ll reach out to discuss your goals, address any questions, and provide customized, no-obligation quotes. Feel free to let us know if there’s anything else you need!
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After you submit the form, we’ll reach out to discuss your goals, address any questions, and provide customized, no-obligation quotes. Feel free to let us know if there’s anything else you need!
After you submit the form, we’ll reach out to discuss your goals, address any questions, and provide customized, no-obligation quotes. Feel free to let us know if there’s anything else you need!
After you submit the form, we’ll reach out to discuss your goals, address any questions, and provide customized, no-obligation quotes. Feel free to let us know if there’s anything else you need!
