Buying a home in Canada as a newcomer is entirely possible — even without an established credit history. I help new Canadians every day.
Overview
Thousands of newcomers dream of owning property in Canada. While limited Canadian credit history can be a barrier, specialized lenders and programs exist specifically for permanent residents, temporary workers, and new citizens.
I understand the unique challenges newcomers face and have helped many clients navigate the Canadian mortgage system for the first time.
Key Benefits
Many lenders consider your credit history from your home country.
Dedicated programs with more flexible qualification criteria.
I'll explain the entire Canadian mortgage process from start to finish.
Common Questions
Yes. Some lenders offer mortgages to those on valid work permits, typically requiring 35% down unless you have PR status.
Not always. Some lenders accept international credit reports, bank reference letters, or alternative signals like rent payment history.
Newcomers with PR status may qualify with as little as 5% down. Those on work permits typically need more depending on the lender.
Book a free, no-obligation consultation and let's find the right mortgage for your situation.