Just landed? You don't need years of Canadian credit history to buy your first home. I work with multiple lenders that offer Newcomer to Canada mortgage programs — some with as little as 5% down — for permanent residents, work permit holders, and new citizens across Ontario.
Permanent residents with strong international credit can buy with the standard 5–10% down payment.
Many lenders approve closed and open work-permit holders with 10% down, no Canadian credit required.
Letters from foreign banks, landlords, and utility providers help build your file.
I personally serve Ontario's South Asian community — guidance available in Hindi and Gujarati.
Newcomer mortgage programs let lenders look past a thin Canadian credit file and consider your full financial picture: international credit reports, 12 months of clean rental payments, employment letter, savings, and reserves.
For a purchase up to $500,000 with 5% down, you can typically close within 60–90 days of pre-approval — even if you've only been in Canada for a few months.
