Buying a home in a new country is a big step. Let's make it feel manageable.
You don't need to have been here for years to get a mortgage. You just need someone who knows how to work with your situation.
The Canadian mortgage system isn't always what you'd expect.
If you've owned property in another country, you already know that real estate financing works differently everywhere. In Canada, lenders look at things like your credit history here, your residency status, your employment, and your down payment, and if you're new, some of those pieces might look different than a typical applicant's.
That doesn't mean homeownership isn't within reach. It just means the path needs a bit more thought. I work with newcomers at all stages whether you landed recently or you've been building your life here for a few years — and I know which lenders are genuinely good fits for your situation.
What we'll work through together
Your Canadian credit history
If you haven't had much time to build credit in Canada, that's okay. Some lenders accept international credit references, and there are programs specifically designed for newcomers. I'll help you understand where you stand and what we can work with.
Your residency status
Whether you're a Permanent Resident or on a work permit, your status matters to lenders, but it doesn't necessarily close doors. I'll be straight with you about what's available and what we'll need.
Your down payment
Many newcomers are eligible for the same down payment minimums as Canadian-born buyers, as low as 5% on homes under $500,000. I'll walk you through what's required before you start shopping.
Your employment situation
Just started a new job in Canada? That's more common than you'd think, and many lenders are comfortable with it. I know which ones.
What this can look like in practice
Say you've been in Victoria for a year on a work permit, you've started building credit here, and you've saved a solid down payment. At a big bank, the conversation might stall quickly because you don't fit their standard checklist.
With the right lender, that same file can absolutely work. CMHC has programs specifically for newcomers, and there are lenders who regularly approve these applications when they're put together well. The key is knowing where to bring your file and how to present it.