Welcome to Canada.
Let's Get You Home.
Permanent residents, newcomers, and recent immigrants can qualify for a Canadian mortgage — often sooner than you think. We'll navigate the programs designed specifically for your situation.
5%
Min down payment (CMHC)
3 mo
Min employment required
PR & WP
Both statuses eligible
$0
Broker cost to you
New To Canada
Canada welcomes you — and so do these mortgage programs
CMHC's Newcomer to Canada mortgage program is specifically designed for permanent residents and work permit holders. With as little as 5% down, a Canadian job, and a few months of credit history, you can qualify. We've helped hundreds of newcomers buy their first home within months of arriving.
Permanent Residents
Full access to all Canadian mortgage programs, insured and conventional. Same rules as Canadian citizens.
Work Permit Holders
CMHC's newcomer program covers non-permanent residents with valid work permits and Canadian employment.
Limited Canadian Credit?
We use international credit history and alternative references (bank letters, rental history, utilities) where Canadian credit is thin.
Foreign Income Considered
If you've recently started a new job, we document foreign income history to support your Canadian earnings.
Multilingual Support
Our team works with interpreters and multilingual advisors to serve clients in their preferred language.
Gift Down Payment Allowed
Down payment can be gifted from a family member — common for newcomer families pooling resources.
How newcomers buy a home in Canada
Simple, transparent, and built around you.
Free consultation
We review your immigration status, employment, credit history, and down payment source — no judgment, just clarity.
30 minDocument collection
Proof of status, employment letter, recent pay stubs, bank statements showing down payment. We guide every step.
1–2 daysLender matching
We identify the right lender for your status — CMHC newcomer, A-lender, or alternative — and get you the best rate.
24–48 hoursClose on your new home
Approval confirmed. Your lawyer handles closing. You receive your keys — welcome to Canadian homeownership.
3–5 weeks“We arrived from South Korea 8 months ago. We had no Canadian credit history but Greenhouse used our Korean credit report and bank reference letters. We closed on our detached home last month.”
Min-Ji & Soo-Han L.
Richmond Hill, ON
Common questions
Canada is home. Let's make it yours.
We've helped hundreds of newcomers navigate the Canadian mortgage market. Free, no-obligation consultation in your preferred language.