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Welcome Home — Literally
New to Canada Mortgages
Newcomers to Canada face unique mortgage challenges: limited credit history, foreign income documentation, and unfamiliar lending rules. Jay specializes in new immigrant mortgage programs that help permanent residents, work permit holders, and refugees purchase their first Canadian home.
Is This Right for You?
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You are a permanent resident who arrived in Canada within the last 5 years and want to buy your first home
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You are on a work permit and want to know if you can qualify for a mortgage before gaining permanent residency
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You have no Canadian credit history but have a strong international credit profile
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You earn income from international sources and need a lender who can work with foreign documentation
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You are a refugee or protected person looking for homeownership options in Calgary
What's Included
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New-to-Canada programs with as little as 5-10% down
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No Canadian credit history required for select programs
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Foreign income and international credit consideration
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Work permit and permanent residency mortgage options
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Guidance through Canadian mortgage rules and processes
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Multilingual support and culturally sensitive service
The Process
How It Works
1
Free Newcomer Consultation
Jay reviews your immigration status, income, savings, and goals to determine which new-to-Canada programs fit your situation.
2
Program Matching
Based on your residency status and financial profile, Jay identifies the best lender programs — many offer exceptions for limited credit history.
3
Document Preparation
Jay provides a clear checklist of everything needed, including how to present foreign income, international credit, and immigration documents.
4
Application & Approval
Your file is submitted to lenders experienced with newcomer applications. Jay handles all communication and follows up on conditions.
5
Closing & Settlement
Jay coordinates with your lawyer and realtor to ensure a smooth closing, and explains every step of the Canadian closing process.
Key Details
Min. Down
5%
New-to-Canada Programs
10+
Response Time
< 24 hrs
Consultation
Free
Documentation
What You'll Need
Permanent resident card, work permit, or confirmation of landing (IMM 5292)
Government-issued photo ID (Canadian or foreign passport)
Canadian employment letter and recent pay stubs (30 days)
International credit report or proof of payment history (rental, utilities)
Bank statements showing down payment (90 days, Canadian or foreign)
T1 tax return and Notice of Assessment (if you have filed in Canada)
Requirements
Eligibility
Permanent resident, convention refugee, or valid work permit holder
Landed in Canada within the last 5 years (for most new-to-Canada programs)
Down payment of 5-10% from acceptable sources
Stable employment or verifiable income in Canada
International credit history or alternative proof of creditworthiness
Calgary & Alberta Advantage
Calgary is one of Canada's top destinations for newcomers, with a diverse population and strong job market driven by energy, technology, and healthcare sectors. Alberta's immigration-friendly policies and growing economy make it an attractive place to settle and purchase a home. Alberta's absence of a provincial land transfer tax is a significant advantage for newcomers, reducing the upfront cost of homeownership by thousands of dollars compared to Ontario or British Columbia. Combined with new-to-Canada mortgage programs that accept limited credit history, Calgary offers one of the most accessible paths to homeownership for immigrants in Canada. Jay works with 10+ lenders that offer dedicated new-to-Canada programs and understands the unique documentation challenges that newcomers face. Whether you arrived last month or three years ago, Jay will find the right program for your situation.
Common Questions
Frequently Asked
Available in These Areas
New to Canada Mortgages services across Calgary and surrounding communities
Related Articles
New to Canada Mortgage Calgary: Work Permit & PR Guide 2026
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Spousal Buyout Mortgage Calgary: Keep the Home After Separation
How the CMHC Spousal Buyout Program works in Calgary — refinance up to 95% LTV, qualify on one income, and buy out your ex-spouse without selling the family home.
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Ready for Clarity?
Book a free consultation with Jay to discuss new to canada mortgages strategy for your situation.
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