Newcomer mortgage programs — even with limited Canadian credit. Permanent residents and work-permit holders welcome.
Many lenders run dedicated newcomer programs for people who’ve recently arrived — including permanent residents and, in many cases, work-permit holders — even with little or no Canadian credit history. What matters is documenting your situation the right way: status, income, down payment source, and references. I’ll explain exactly what each program needs and match you to the lender that welcomes your file.
Programs for permanent residents and, in many cases, work-permit holders.
Newcomer programs can use alternative proof when Canadian credit is thin.
I’ll explain how funds from outside Canada can be documented and used.
Every step explained simply — no jargon, no pressure.
A no-pressure 15 minutes. I learn your goals, timeline, and numbers.
One application, the whole market — banks, monolines, and B lenders.
I present the best options and manage the paperwork to close.
“I had an amazing experience working with Isha! From the very beginning, she was very knowledgeable, responsive, and truly had our best interests at heart. She took the time to explain all my options clearly and guided me through every step…”
“Working with Isha Grewal was an absolute pleasure. As a mortgage advisor, she is incredibly knowledgeable, patient, and truly dedicated to her clients. Isha took the time to explain every step of the mortgage process…”
“I truly appreciate their dedication to finding us the best mortgage solution. I would highly recommend their services to anyone seeking a reliable mortgage broker.”
Often, yes. Newcomer programs can consider alternative credit references and other documentation when your Canadian credit is limited. I’ll match you to a lender that does.
Permanent residents have the most options, but many lenders also work with work-permit holders. I’ll confirm what fits your status.
Usually, yes, with proper documentation of the source. I’ll tell you exactly what each lender needs to accept it.
Typically proof of status, income, and down payment, plus identification. I’ll send a tailored checklist so nothing slows you down.
One conversation with the whole market. Free, no obligation, no impact on your credit.
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