New to Canada
New to Canada and dreaming of homeownership? Some lenders have special newcomer programs. I'll help you navigate the path to your first Canadian home.
Canada welcomes hundreds of thousands of newcomers each year — and many of them want to own a home. The challenge is that traditional mortgage qualification relies on Canadian credit history, employment, and tax returns you may not have yet.
Fortunately, some lenders have newcomer programs that look at your foreign credit history, employment letters, and down payment to help you qualify even in your first years here.
Whether you're a permanent resident, a recent landed immigrant, or on a work permit, I'll find the path to homeownership that works for your situation — and explain the entire Canadian mortgage system from scratch.
What You Get Working with Me
- Newcomer mortgage programs from major Canadian lenders
- Qualify without Canadian credit history
- Guidance on building your Canadian credit profile
- Support for PR holders, work permit holders, and recent immigrants
- Clear explanation of the Canadian mortgage system from the ground up
Common Questions
Do I need Canadian credit to get a mortgage?
Not always. Some lenders have newcomer programs that accept foreign credit history, employment letters, and a larger down payment instead of Canadian credit.
How long do I need to be in Canada?
Some programs are available immediately after landing. Others require 6–24 months of Canadian employment. I'll find the right program for your specific timeline and status.
What down payment do I need as a newcomer?
Newcomer programs often require 5–10% for permanent residents and up to 35% for non-permanent residents (e.g., work permits). I'll clarify exactly what applies to your situation.
Ready to Get Started?
Let's talk about your situation. I'll find the best options available for you, at no cost.
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