New to Canada
New to Canada?
We'll help you
buy a home.
You don't need years of Canadian credit history to get a mortgage. We work with lenders who have newcomer programs designed for permanent residents, work permit holders, and refugees.
Who Qualifies
More than one path to homeownership.
Your immigration status determines which lender programs are available — and how much documentation you'll need.
Permanent residents
Landed immigrants and PR card holders qualify for most newcomer programs. Special rates and reduced documentation for the first five years.
Work permit holders
A valid Canadian work permit and employment income opens doors with several lenders.
Convention refugees
Protected persons with valid documentation can access newcomer mortgage programs.
International students
Students with a co-signer or sufficient income may qualify through certain lenders.
What Lenders Look At
It's not just about credit score.
Newcomer mortgage programs look at your full picture — not just a Canadian credit report.
Immigration status
PR card, work permit, or refugee documentation
Time in Canada
Some programs available from day one; others after 1-3 years
Employment & income
Canadian employment letter, pay stubs, or foreign income proof
Credit history
Canadian credit, international credit, or alternative documentation
Down payment source
Personal savings, gifted funds, or international transfers
Property type & price
Affects minimum down payment and insurance requirements
Why Work With Us
A broker who understands new Canadians.
We've helped hundreds of newcomers buy homes across the GTA. Here's what makes the process easier. We serve borrowers across the GTA, so you can work with a local Scarborough mortgage broker, Toronto mortgage broker, Markham mortgage broker, York Region mortgage broker, Durham Region mortgage broker or Peel Region mortgage broker.
Newcomer lender programs
Access to lenders with dedicated products for new Canadians — flexible credit and documentation.
No Canadian credit? Options exist.
We work with lenders who accept international credit reports, rental history, and alternative documents.
Down payments from abroad
International fund transfers are accepted. We guide you on the documentation lenders need.
Multi-language support
Our team speaks Tamil, Hindi, Urdu, and English. Nothing gets lost in translation.
Step-by-step guidance
We walk you through every step — from pre-approval to closing — in plain language.
Government programs apply too
Many newcomers qualify for FHSA, RRSP Home Buyers' Plan, and Ontario Land Transfer Tax rebates.
Smart Moves
Tips for newcomers buying a home.
Start building Canadian credit early
Open a bank account, get a secured credit card, and make regular on-time payments.
Save your landing documents
Keep your COPR, Record of Landing, work permits, and PR card safe. Lenders will ask for them.
Keep records of your down payment
If transferring money from abroad, keep bank statements and wire transfer receipts for at least 90 days.
Get a job letter as soon as possible
An employment letter with your salary, start date, and job title is one of the most important documents.
Talk to a broker before a bank
Banks offer only their own products. A broker compares newcomer programs across many lenders.
Common Questions
Questions newcomers often ask.
Yes. Many lenders have newcomer programs for permanent residents, work permit holders, and convention refugees. Some programs are available from your very first day in Canada with as little as 5% down.
Not always. Several lenders accept international credit reports or alternative documentation like rent payment history, utility bills, and bank statements.
Most newcomer programs require 5% to 10% down on homes up to $999,999. Homes over $1 million require 20%. Your down payment can come from personal savings, gifted funds, or international transfers.
It depends on the lender and your situation. Some lenders consider foreign income, especially if you're transferring to a Canadian branch of your employer or have verifiable overseas earnings.
Yes, but it requires the right lender. We work with lenders who use bank statements, contracts, and business financials rather than only T4 slips.
Some newcomer programs are available from day one. Others require 1-3 years. Your immigration status matters more than time in most cases.
Get Started
Ready to explore your options?
Tell us a little about your situation. No commitment, no pressure — just a clear picture of what's possible for you.
Let's explore your options
Tell us a little about your situation and we'll get back to you.
Rates shown are subject to qualification, lender approval, and applicable conditions, and may change without notice. Newcomer programs may have different rates, terms, and eligibility criteria. FSRA Lic. 13747.