New to Canada · Newcomer Mortgages

Your New Home.
Your New Beginning.

You've made Canada your home — now let's make it official. We specialize in newcomer mortgage programs for permanent residents and recent immigrants settling in Vaughan, Richmond Hill, Markham, and across York Region.

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Who This Is For

Homeownership Is Possible — Even as a Newcomer

York Region — particularly Vaughan, Richmond Hill, and Markham — is home to some of Canada's most vibrant South Asian and Chinese communities. We understand the unique financial journeys newcomers bring, and we know the lenders who work with them.

You don't need a 10-year Canadian credit history. You need the right broker.

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Permanent residents (PR) within the first 5 years in Canada

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Skilled worker visa holders with confirmed employment

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Newcomers with foreign credit history or international assets

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Families sponsored by relatives already established in Canada

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New Canadians with a 5–35% down payment ready to apply

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Those who want to buy within their first 1–3 years in Canada

What We Solve

The Barriers Newcomers Face — and How We Remove Them

These are real challenges we help new Canadian buyers navigate every week.

No Canadian Credit History

Many newcomers arrive with excellent credit in their home country but zero Canadian score. We work with lenders who accept foreign credit references, international bank statements, and alternative credit evidence.

Limited Canadian Employment History

Just started a new job in Canada? We specialize in using offer letters, employment contracts, and even probationary employment to support mortgage qualification — especially for skilled professionals.

Foreign Income or Assets

Down payment sourced from overseas? We know exactly how to document international transfers and foreign assets to satisfy Canadian lender and FINTRAC requirements without delays.

Understanding Canadian Programs

From CMHC-insured newcomer mortgages to First Home Savings Accounts (FHSA), there are programs many new Canadians don't know they qualify for. We make sure you don't leave money on the table.

Navigating the Process Alone

The Canadian mortgage process has its own rules, timelines, and terminology. We guide you through every step — in clear terms — so there are no surprises on closing day.

Language and Cultural Barriers

Financial systems vary by country. We take the time to ensure you understand every product, rate, and commitment you're making — in language and context that makes sense to you.

Our Approach

How We Help Newcomers Get Approved

1

Newcomer Program Assessment

We assess your PR status, employment, and savings against every available newcomer mortgage program — including CMHC Emili and bank-specific newcomer offerings — to identify your best path.

2

Alternative Credit Documentation

No Canadian credit score? No problem. We compile an alternative credit profile using your international references, rent history, and utility payments to present a compelling risk picture.

3

Down Payment Documentation

We guide you through properly documenting international wire transfers and foreign asset liquidation to meet FINTRAC and lender requirements without stress.

4

Settlement & Beyond

We don't disappear after closing. We help you set up for your first renewal so you can transition to mainstream A-lender products as your Canadian credit profile strengthens.

5%
Minimum down payment available
for eligible newcomers
PR
Permanent Residents qualify
from Day 1 of landing
York
Region's most active newcomer
communities — our backyard

Common Questions

New to Canada Mortgage FAQ

Yes — if you are a Permanent Resident, you may be eligible from your very first day in Canada, provided you have verifiable employment income, a down payment of at least 5%, and documentation of your financial background. Work permit holders may also qualify with confirmed employment. The exact programs available depend on your status, employment, and down payment size.
Certain lenders, including some major banks with dedicated newcomer programs, will accept an "alternative credit" profile in lieu of a Canadian bureau score. This can include a letter of reference from your home country's bank, a 12-month history of rental payments, and records of consistent bill payments. We'll help you compile this into a compelling package.
No — but it must be properly documented. Lenders require a 90-day paper trail showing the source of funds in your Canadian account. For internationally sourced down payments, we'll guide you through the exact documentation needed: foreign bank statements, wire transfer records, and a signed gift letter (if applicable). Proper documentation avoids delays and declined applications.
Not always. Several major Canadian banks offer newcomer programs with rates comparable to their standard insured mortgage rates. The rate premium, if any, is typically modest — and in most cases you can refinance into a standard product within 2–3 years as your Canadian credit profile strengthens. We'll project the full cost scenario before you commit.
York Region is one of Canada's most culturally diverse areas. Vaughan (particularly Woodbridge and Maple) has a large and established South Asian and Italian community. Richmond Hill and Markham have very strong Chinese-Canadian communities with excellent schools, shopping, and cultural resources. Thornhill bridges both groups. Each community has different price points and property types — we can connect you with the right area for your budget and lifestyle.

Free Tool

Not sure where you stand?

Take our 2-minute Mortgage Readiness Scorecard and get a personalized assessment designed for newcomer buyers — including next steps and a downloadable report.

Take the Scorecard Talk to an Expert

Get Started

Let's Find Your Path to Homeownership

Every newcomer's situation is different. Book a free strategy call and we'll walk you through exactly where you stand, what programs you qualify for, and how to get into your first Canadian home.

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