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Get Approved Today

Foreign Buyer Program

Book A Foreign Buyer Strategy Call

Secure Canadian Property With A Financing Plan That Respects Cross-Border Reality.

Buying in Canada while living abroad comes with extra moving parts: non-resident rules, larger down payment expectations, income in another currency, and stricter documentation around where your money comes from. None of that is impossible—but it does mean guesswork is risky. The Foreign Buyer Program is about building a clean, bankable structure for non-residents and foreign buyers, so your financing fits both Canadian lender policies and your cross-border situation.

How Canadian Lenders View Foreign Buyers

Before rates or products, lenders want to understand who you are to Canada, how you earn your income, and where your funds are coming from. If we shape those three pieces properly, the rest becomes much easier.

Residency Status And Ties To Canada

Whether you are a non-resident, on a work permit, or splitting time between countries will change how lenders treat your file. We clarify your status, your plans for the property (personal use, family use, or investment), and any existing ties here—banking, relatives, employment—then match that profile to lenders that work with your category.

Income, Currency, And Documentation

Most foreign buyers earn in another country and currency. Some lenders will use that income, others prefer local earnings only. We decide how to present your income—employment, business, or investment—using documentation that fits Canadian standards, and account for exchange-rate impacts in the numbers so payments stay comfortable.

Down Payment Size And Source Of Funds

Expect stricter down payment requirements and more scrutiny on where funds originate. We map out how much will be needed, how and when money should be transferred, and what proof banks and lawyers will want to see so international wires don’t delay closing.

What This Program Is Designed To Deliver

This isn’t a generic “you might qualify” conversation. The goal is a clear, executable plan for buying in Canada from abroad.

Set Realistic Parameters Up Front

We give you a grounded view of what’s possible now: approximate price range, down payment expectations, likely lending channels, and timeframes. If there are regulatory or tax considerations affecting foreign buyers in the area you’re targeting, we flag those early so you can factor them into your decision.

Coordinate The Moving Pieces

Cross-border purchases involve more parties: local lender, foreign bank, Canadian lawyer, possibly a tax advisor. We help you understand who does what, when you need each one, and how to avoid miscommunication that can cost time or money.

Keep The File Straightforward For Credit Teams

Non-resident files can look messy if they arrive in pieces. We package your story—status, income, assets, property purpose—into a clear, concise presentation so the underwriter can follow the logic without guessing.

Process From First Call To Closing

We work around time zones and busy schedules, but the sequence stays tight and structured.
Step 1

Fact-Finding And Objectives

We start with a call or video meeting to understand: Your country of residence and status relative to Canada How you earn your income and in which currencies What type of property you want and how you plan to use it From there, we give you a preliminary sense of price range, down payment, and likely lender profile.
Step 1
Step 2

Structure And Lender Shortlist

Next, we design a financing approach around: Loan-to-value targets suitable for non-residents Rate and term structure aligned with your horizon and risk comfort Product types that work for a client not living in Canada full-time We then identify lenders whose policies match that structure and your documentation reality.
Step 2
Step 3

Application, Conditions, And Funding

Once you’re ready to proceed: We assemble an application and document set that meets Canadian standards Manage requests for additional information from the lender Coordinate with your Canadian lawyer and local bank to ensure funds arrive correctly and on time You receive clear instructions around signing, identification, and closing so you know exactly what is expected on each date.
Step 3

Key Issues We Address Early

Answering these questions at the beginning saves stress later.
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Local Rules And Extra Costs

Some regions impose additional requirements or taxes on foreign buyers. While your legal and tax advisors are the final word, we make sure you’re aware of typical extra costs so they aren’t a surprise at closing.

Currency Movements And Rate Risk

You may be earning in one currency and borrowing in another. We look at how exchange rates and interest rates could affect your payments and suggest practical cushions so your budget isn’t overly fragile.

Documentation Logistics

Getting the right papers certified, translated, or transmitted from another country takes time. We create a document plan so you’re not rushing for items that are difficult to obtain on short notice.

FAQs

Not always. Some lenders will work with limited Canadian history if other parts of your profile are strong. We choose options based on what you already have in place.
In many cases, yes—with proper identification, electronic communication, and coordination with a Canadian lawyer or notary. We’ll outline what is and isn’t possible based on current rules.
Foreign buyers are often asked for a larger down payment than local residents. The exact percentage depends on lender, property type, and your profile; we’ll quantify it for your situation.
Sometimes, depending on the lender and the type of property. We’ll clarify what portion, if any, can be counted toward servicing the mortgage.

How To Start As A Foreign Buyer

The best time to get advice is before you sign a purchase contract or move large sums internationally. To begin, it helps to share: Your country of residence and connection to Canada Your approximate income and main currency How much you’ve set aside for a down payment The type and price range of property you are considering From there, we’ll outline what is realistic, which lender routes make sense, and the steps needed to move from interest to ownership in a controlled, informed way.
Schedule Your Foreign Buyer Strategy Call
Or send a brief email with your basic details and questions, and we’ll map out the next steps together.
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