Can I get a mortgage without Canadian credit history?

Yes! Several major banks and lenders have specific programs for newcomers that don't require Canadian credit history. Alternative proof such as international credit reports, bank references, or employment letters may be accepted.

How much down payment do I need as a newcomer?

Depending on the program and your immigration status, you may qualify for as little as 5% down. Some programs require 10-20% down. We'll find the best option for your situation.

Can I use foreign income to qualify?

In some cases, yes. Certain programs accept foreign income or assets as part of the qualification. This varies by lender and your specific circumstances.

I have a work permit - can I still get a mortgage?

Yes, several lenders have programs for work permit holders. Requirements typically include at least 1 year remaining on your permit, Canadian employment, and a minimum down payment. We find the best program for your specific immigration status.

Mortgage Service

New to Canada Mortgages

Welcome home - mortgage solutions for newcomers

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Overview

New to Canada Mortgage Programs in Ontario

Welcome to Canada! As a newcomer, buying a home is a major milestone. Many people are surprised to learn that you can get a mortgage in Canada even without an established credit history. I specialize in helping new immigrants, permanent residents, and work permit holders navigate the Canadian mortgage system and achieve homeownership.

Have questions? Call us directly647-222-7071

Benefits

Why Newcomers Choose a Mortgage Specialist

Programs for permanent residents, work permit holders, and refugees
No Canadian credit history required for some programs
Down payment as low as 5% for qualified newcomers
Access to major bank new-to-Canada programs
Help understanding Canadian mortgage rules and terms
Multilingual service (English, Punjabi, Hindi, Urdu)

Moving to Canada is exciting, and buying a home is a key milestone in establishing your new life. As a newcomer to Canada, you may face unique challenges including limited Canadian credit history, unfamiliarity with the mortgage system, and difficulty providing traditional income documentation. Specialized newcomer mortgage programs are designed to address each of these challenges.

Several major Canadian lenders offer dedicated programs for permanent residents, work permit holders, and recent immigrants. These programs may accept international credit reports, offer reduced down payment requirements, and consider foreign income or assets. Some programs require as little as 5% down for newcomers who have been in Canada for less than 5 years.

As a multilingual mortgage specialist, I guide newcomers through every step of the Canadian mortgage process in the language they are most comfortable with. From understanding how Canadian credit scoring works to navigating the home purchase process, I provide personalized support for newcomers across Brampton, Mississauga, Toronto, and all Ontario communities.

How It Works

How Newcomers Get Mortgage Approved in Ontario

We have streamlined the mortgage process to make it as smooth and stress-free as possible.

Status Review

We review your immigration status and determine which programs you qualify for.

Documentation

We help you gather the right documents - immigration papers, employment letters, and foreign credit history.

Program Matching

We match you with the best new-to-Canada mortgage program from our lender network.

Home Purchase

With pre-approval in hand, you're ready to find and purchase your Canadian home.

Areas We Serve

Newcomer Mortgage Services Across the GTA

We provide new to canada mortgages services to clients across the Greater Toronto Area and all of Ontario. In-person and virtual consultations are available.

Find Your Nearest Office

Brampton

Toronto

Mississauga

Vaughan

Markham

Richmond Hill

Oakville

Burlington

Hamilton

Oshawa

Whitby