New to Canada
Start your Canadian homeownership journey — even without years of credit history
New to Canada mortgage Ontario programs make it easier for newcomers to buy a home without an established Canadian credit history. Whether you’ve just arrived or have been here a few years, these programs help you qualify based on income, savings, and international credit.
Many lenders offer tailored mortgage solutions for new Canadians, permanent residents, and work permit holders. With the right documentation and expert guidance, you can secure a mortgage even if you’re still building your financial profile in Canada.
I’ll help you compare top lenders, understand down payment requirements, and choose a new to Canada mortgage Ontario plan that fits your budget and long-term goals.
Learn more about related programs like First-Time Home Buyer and Mortgage Pre-Approval to get started with confidence.
Programs for Newcomers
Mortgages designed for new permanent residents and recent immigrants.
Buy Sooner
Qualify using employment income and international credit history.
Step-by-Step Support
Clear guidance and communication through every stage of your purchase.
Frequently Asked Questions about New to Canada Mortgage Ontario
1. Can I get a mortgage in Ontario if I’m new to Canada?
Yes. Many lenders offer specialized programs for newcomers with a valid work permit or permanent residency. These programs are tailored for those who have limited Canadian credit history.
2. How much down payment do I need?
Typically, newcomers need at least 5% down payment for homes under $500,000, or 10% for amounts above that. Requirements may vary depending on residency status and lender policies.
3. What documents are required for a new to Canada mortgage Ontario application?
You’ll usually need proof of income, employment letter, recent pay stubs, and immigration or visa documents. Some lenders may also request international credit reports or references.
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