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Get Approved Today

Newcomer & Work-Permit Programs (Tailored For Clients New To Canada)

Book a newcomer & work-permit mortgage call]

Learn the rules, use your strengths, and buy with a clear plan.

Arriving in Canada means starting fresh with credit, banking, and paperwork—even if you’ve had a strong career and owned property elsewhere. Lenders have specific guidelines for permanent residents, work-permit holders, and recent arrivals, and it’s not always obvious how your background fits into those boxes. This service is about turning your story into a mortgage application that makes sense in the Canadian system: what counts, what doesn’t, and what you can do now to move toward owning a home here.

How Lenders Treat Newcomers And Work-Permit Holders

When you’re new to the country, lenders aren’t just checking a credit score. They’re looking at immigration status, length of time in Canada, type of employment, and where your savings came from. If we understand those rules up front, we can work within them instead of bumping into them at the last minute.

Credit History Inside And Outside Canada

Many newcomers have little or no Canadian credit history. Some lenders will look at international credit reports, rental history, or utility payments from overseas; others won’t. We review what you have now—here and abroad—and decide how to present it or how to start building local credit if there isn’t much yet.

Employment And Income Stability

Offer letters, probation periods, contract roles, or multiple part-time jobs all show up differently in a lender’s eyes. We clarify what will be accepted (for example, how many pay periods they want to see, or whether your job type is viewed as stable) and what extra documentation might be needed from your employer.

Savings, Down Payment, And Funds From Overseas

Down payments often come from a mix of Canadian accounts and funds abroad. Some lenders are comfortable with that, as long as the money moves through the banking system in a documented way. We plan how and when to move funds, and what evidence will be needed, so transfers from overseas don’t hold up the approval.

What This Program Focuses On

Rather than giving you a generic pre-approval, we build a plan that reflects your immigration status, your work situation, and your current financial setup—so when you’re ready to buy, your application is ready as well.

Clarifying What’s Realistic Right Now

We start by answering a simple question: based on your current status, income, and savings, what price range and timeline are realistic? If buying immediately doesn’t make sense, we outline what needs to change and how long that might take.

Matching You With Suitable Lender Policies

Different institutions view newcomers and work-permit holders differently. Some have dedicated programs, some are more conservative. We short-list options that align with your status and goals instead of applying randomly and hoping for the best.

Reducing “Paperwork Surprises” Near Closing

Last-minute document requests are hard enough if you’ve lived in Canada for years. They’re much worse when you’re also learning a new system. We build a document list early—employment, immigration, down payment, and identification—so the final approval stage is as smooth as possible.

From First Chat To Home Purchase

The process is designed to give you answers early, then move at your pace. You can use it to buy now or to prepare for a purchase a little further down the road.
Step 1

Situation Review And Goal Setting

We talk through your immigration status, how long you’ve been in Canada, your work, income, and savings. You share what you’d like to do—buy soon, plan for a specific date, or simply understand your options. From this, we build an initial affordability estimate based on current rules.
Step 1
Step 2

Documentation Map And Credit Plan

Next, we list the documents you’ll need for an eventual application: work permits, permanent resident card (if applicable), job letters, pay stubs, bank statements, and any proof of funds from overseas. If your Canadian credit file is thin, we also suggest practical steps to strengthen it over the coming months.
Step 2
Step 3

Lender And Program Strategy

Once we understand your profile, we identify the type of program and lender that best fit—whether that’s a mainstream bank with a newcomer program, a more flexible lender, or a staged plan where you start with a smaller purchase and build from there. You’ll see what each path requires and what you could qualify for.
Step 3
Step 4

Pre-Approval And Purchase Support

When you’re ready to move forward, we build a full pre-approval using the agreed approach and then support you through the offer, condition period, and final approval. You’ll always know what’s happening, what’s next, and what the lender is looking for.
Step 4

Clients Who Usually Benefit From This Program

This service is for people who either haven’t been in Canada very long or whose status and credit history don’t fit the standard “lived here forever” profile.
new comer 2

Recent Permanent Residents

If you’ve obtained permanent residency within the last few years and want to stop renting as soon as it makes sense, we help connect your new status, your job, and your savings to the lending options that recognize that reality.

Work-Permit Holders

Temporary foreign workers and professionals on work permits often face extra rules around down payments, employment length, or property type. We map those requirements and work out what’s possible now and what might open up once your status changes or you’ve been here longer.

Newcomers With Strong Backgrounds Abroad

Many people arrive with established careers, savings, and properties in other countries. We look at how those strengths can be used in the Canadian context—whether as proof of history, as a source of funds, or as part of a longer-term plan to buy after a period of settling in.

FAQs

There isn’t one rule for everyone. It depends on your status, employment, down payment size, and the lender. In some cases, you can qualify sooner than you think; in others, a short waiting period with a plan is the better option.
Some programs allow supporting documents from your previous country—others do not. We’ll check what’s accepted under current guidelines and decide how to use that information in your application.
Minimums vary by status and property type. We’ll outline what applies to you now and how that changes as your situation evolves, so you know exactly what target to work toward.
Starting a new role or being on probation can affect your file. We’ll look at your specific employment and advise whether to apply now, wait for more history, or structure the file a certain way.

Starting The Process As A Newcomer

The most helpful time to get advice is often before you begin house-hunting or transferring large amounts of money into Canada. That way, your steps are aligned with how lenders will view them later. To get started, it’s useful to have: A brief summary of your immigration status and how long you’ve been in Canada Your current job details and approximate income An idea of what you’ve saved (in Canada and abroad) toward a home Your rough price range or the type of home you’re thinking about From there, we’ll build a clear outline of what’s possible now, what might be possible later, and what you can do in the meantime to move steadily toward owning a home here.
Schedule Your Newcomer & Work-Permit Mortgage Call
Or send a short email or make a quick call with the basics, and we’ll take the next step together.
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