New to Canada Mortgage Programs
Specialized mortgage programs designed to help newcomers purchase their first home in Canada.
Canada welcomes hundreds of thousands of new residents each year, and many lenders have programs specifically designed to help newcomers achieve homeownership. Whether you have recently received permanent residency, are on a work permit, or have recently become a citizen, there are mortgage options available even without an established Canadian credit history. I help newcomers navigate these programs and secure competitive financing.
Who Is This For?
- Permanent residents who arrived in Canada within the last 5 years
- Those on valid work permits with Canadian employment
- New Canadian citizens who recently completed the immigration process
- International professionals relocating to Ontario for work
- Newcomers with limited or no Canadian credit history
Common Goals
- Purchase a first home in Canada without established credit history
- Qualify for a mortgage using international credit references
- Understand Canadian mortgage rules and processes
- Access specialized new-to-Canada programs with reduced requirements
- Build equity and financial stability in Canada
How It Works
We discuss your immigration status, employment situation, and home buying goals.
I identify which new-to-Canada programs you qualify for based on your residency status and time in Canada.
I help you prepare your application with the right documentation, including international references if needed.
I secure pre-approval and guide you through the Canadian home buying process from start to finish.
Important Considerations
- *Some programs require a minimum 5-10% down payment depending on the lender.
- *Having at least one Canadian credit product (credit card) established can help.
- *Employment must typically be Canadian-based to qualify.
- *Time since landing in Canada affects which programs are available.
New to Canada programs are subject to lender approval and immigration status verification. Program eligibility varies by lender. O.A.C. Rates and terms subject to change.
Ready to Get Started?
Free consultation, no credit check. I search 65+ lenders and 7,000+ solutions to find your best fit.
Subject to lender approval. O.A.C.
Typical Documents Needed
- Permanent Resident card, work permit, or citizenship documents
- Government-issued photo ID
- Proof of Canadian employment and income
- Bank statements (Canadian and/or international)
- International credit references (if limited Canadian credit)
- Down payment proof and source documentation
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Advertising Disclosure: Michael Noble Green, Mortgage Agent Level 1 (Licence #M21002443) at 8Twelve Mortgage Corp. (Brokerage Licence #13390). All mortgage products and services are subject to lender approval. O.A.C. Rates and terms are subject to change without notice. This page is for informational purposes and does not constitute a commitment to lend.