Built for a short Canadian history
These programs are designed for people who arrived recently and have permanent resident status or a valid work permit.
New-to-Canada mortgages in Markham & TorontoNew to Canada. Ready to buy.
You do not need decades of Canadian credit history to buy a home. Several lenders and mortgage insurers have programs designed for newcomers. We explain which ones you may qualify for and walk you through every step.
The basics
How new-to-Canada mortgage programs work
Alternative proof of credit
Where a Canadian credit report is thin, some lenders accept other evidence, such as rent and utility payment history or a credit report from your home country.
Down payment matters
The down payment you need depends on the price of the home, your status in Canada and the program. We will tell you the figure that applies to you.
Stable income in Canada
Lenders want to see Canadian employment or self-employment income. We help you document it the way they expect.
How we help
One firm for your first years in Canada
We match you to the right program
With access to 100+ lenders, we compare newcomer programs and explain the trade-offs in plain language.
We help with your first Canadian tax return
Your first return sets up benefits and credits you may be entitled to. We handle it properly from the start.
We guide you from pre-approval to closing
You will know what you can afford before you start looking, and what happens at each stage after you find a home.
We stay with you afterwards
Renewals, refinancing and tax planning, as your life in Canada grows.
Program rules, eligibility periods and down payment requirements are set by lenders and mortgage insurers and change over time. This page is general information, not a commitment to lend. Mortgage services are provided through Northwood Mortgage Ltd., Licence #10349.
Let's talk.
Book a free consultation. In about 30 minutes, we learn your situation and show you how we can help. There's no obligation.