Residency & Status
Lenders may request permanent-resident, work-permit, citizenship, or other immigration documents depending on the program.
Build your homeownership plan
New to Canada
Newcomers may have limited Canadian credit or employment history. Mortgage options depend on residency status, time in Canada, income, down payment, credit profile, and lender or insurer requirements.
What to consider
Clear guidance for your situation
Every mortgage application is different. These are the main areas we review when building your plan.
Credit History
Canadian credit is helpful. Some programs may consider alternative payment history or international credit information.
Down Payment
The required amount and acceptable source of funds depend on the program, credit profile, residency status, and property.
The process
From first conversation to closing
I keep the process organized and explain what is needed at each stage.
Initial Review
Discuss immigration status, employment, credit, down payment, and purchase timeline.
Document Plan
Identify the income, residency, banking, and credit documents required.
Program Comparison
Review suitable prime, insured, or alternative options based on eligibility.
Approval & Closing
Complete lender and insurer conditions, property review, and legal closing.
Common documents
Documents you may need
The exact document list depends on the lender, insurer, borrower, and property.
- Passport and Canadian identification
- Permanent-resident card, work permit, or status documents
- Employment letter and pay stubs
- Canadian or international credit information, when accepted
- Bank statements for down payment and settlement funds
- Purchase agreement and property documents
Information on this page is general and does not guarantee approval. Mortgage approval is subject to lender and insurer requirements, credit review, income verification, property review, and supporting documentation.
Ready to discuss your mortgage?
Book a free consultation and get clear next steps based on your situation.