New to Canada Mortgages
New to Canada and ready to buy? There are newcomer programs built for you — even with limited credit history.
You don't need years of Canadian credit history to own a home. Major lenders and insurers offer New-to-Canada programs for permanent residents and eligible work-permit holders, using alternative proof of creditworthiness. I'll guide you through what you need and find the program that gets you approved.
What you get
As little as 5% down
Qualified newcomers can access the same low down-payment insured financing as other buyers.
Alternative credit accepted
Rent, utility, and international credit references can stand in for a thin Canadian credit file.
PR and work-permit programs
Options for both permanent residents and eligible foreign workers on valid permits.
Guidance in plain language
I'll walk you through every document and step so nothing gets lost in translation.
Simple, from first call to close
We confirm your status, income, and available down payment.
I match you to the right New-to-Canada program among 88+ lenders.
You get approved and step into home ownership in your new country.
Common questions
Can I get a mortgage without Canadian credit history?
Yes. New-to-Canada programs accept alternative credit references — like rental and utility payment history or an international credit report — in place of a long Canadian credit file.
Do I need to be a permanent resident?
Permanent residents have the widest options, but many lenders also lend to eligible work-permit holders. I'll match you to a program that fits your status.
How much down payment do newcomers need?
Qualified newcomers can often buy with as little as 5% down on insured financing, the same as other first-time buyers.
Other programs
Let's get you approved
Free, no credit check, no obligation. See your best rate in 60 seconds.
