New to CanadaMortgage Programs
Special mortgage programs for newcomers, immigrants, and work permit holders. Start your Canadian homeownership journey with expert guidance.
Helping Newcomers Buy Homes
As someone who understands the immigrant experience, Sanjay provides personalized guidance in your language to help you achieve Canadian homeownership.
Newcomer Programs
Access special mortgage programs designed specifically for new immigrants and permanent residents
Flexible Documentation
Alternative income verification for those with limited Canadian credit or employment history
Multilingual Service
Service available in English, Hindi, and Punjabi for your comfort and understanding
Credit Building Help
Guidance on building your Canadian credit history to unlock better mortgage options
Programs for Every Immigration Status
Whether you just landed, have a work permit, or are using foreign income, we have mortgage solutions designed for your situation.
New Immigrant Program
For permanent residents and landed immigrants within 5 years of arrival. Reduced down payment requirements.
Work Permit Holders
Mortgage solutions for temporary residents with valid work permits and Canadian employment.
Foreign Income
Programs that consider foreign income, employment letters, and international credit history.
Non-Resident
Financing options for non-residents purchasing Canadian property as an investment or future home.
Your Path to Canadian Homeownership
We make the process simple and stress-free, guiding you from initial consultation to closing day.
Immigration Status Review
We assess your immigration status, timeline in Canada, and available documentation to find the right program.
Financial Assessment
Review your income sources, savings, and credit history (Canadian and international) to determine purchasing power.
Program Matching
We match you with lenders offering the best newcomer programs suited to your specific situation.
Home Purchase
Get pre-approved, find your home, and close your mortgage. Welcome to Canadian homeownership!
We Understand Newcomer Challenges
No Canadian credit history? Many lenders accept international credit reports or waive credit requirements entirely for newcomers with sufficient down payment.
New to Canadian employment? Special programs exist for those who recently started working in Canada, even during probation periods.
Down payment from overseas? We help you navigate the documentation required to use funds from your home country, including gift letters and foreign bank statements.
Language barriers? Sanjay speaks English, Hindi, and Punjabi. Every detail of your mortgage will be explained clearly in the language you prefer.
Helping Newcomers Across the GTA
Newcomer Mortgage Questions
Common questions from new immigrants and permanent residents about buying a home in Canada.
Welcome Home, Canada Awaits
Start your Canadian homeownership journey today. Free consultation in English, Hindi, or Punjabi. No obligation.