Mortgages for Newcomers to Canada

Many lenders offer mortgage solutions for newcomers with permanent or non-permanent resident status, making homeownership more accessible. If you’ve moved to Canada within the last 36 months, insured mortgage options are available—supported by CMHC and other lenders.

We’re here to help you find the best rates and mortgage options. Contact us today for a free consultation and start your journey to homeownership in Canada!

Why Choose New to Canada Mortgages?

*Designed to make homeownership more accessible for newcomers

*Competitive interest rates to suit your financial goals

*Lower down payment requirements for easier qualification

*A smooth path to starting your new life in Canada

*Access to a broad network of lenders, including banks, trust companies, and private investors

Eligibility Requirements for New to Canada Mortgages

To qualify, most lenders will require the following:

-Permanent resident status or a valid work permit

-New permanent residents who have been in Canada for less than five years

-Temporary residents with a valid work permit (typically at least 12 months)

-Proof of stable and consistent income

-Demonstrated ability to manage regular mortgage payments

New to Canada Mortgage Program

Start your journey to homeownership in Canada—even with limited credit history! Our New to Canada Mortgage Program features flexible down payment options, with minimums starting as low as 5%. Whether you're just starting out or have an established credit history and larger down payment, we have solutions to fit your needs.

We understand the challenges newcomers face, and our experienced mortgage specialist, We are here to help every step of the way.

Down Payments and Financial Planning

It's essential to understand down payment requirements and manage your finances effectively. We're here to assist you in creating a financial plan and help you build your credit score.

The Application
Process

Our knowledgeable Calgary mortgage broker, Pabla, will guide you through every step of the New to Canada mortgage application. We'll assist you in collecting all required documents, such as proof of income, employment details, and valid identification.

New to Canada Mortgage Application Checklist

- Identification documents
- Employment records
- Proof of income
- Bank statements
- Credit history (if available)