New to Canada Mortgages – Helping You Build a Fresh Start
Quick answer
Quick answer (Canada): A New to Canada mortgage is designed for recent immigrants with limited credit history. Approval depends on income, employment, immigration status, and down payment size. Alternative programs allow flexible documentation like rent history or international credit. We package once and make lenders compete to secure your best fit.
See: Pre-Approval Guide · Mortgage Terms Explained · Mortgage Payment Calculator
Guidance is also available from the CMHC Newcomers to Canada program.
Arriving in Canada is exciting, but navigating mortgages can feel overwhelming. At Genesis Group, we simplify the process. Whether you have limited credit history or unique employment, we compare 100+ lenders and guide every step toward owning your first Canadian home.
Challenges for Newcomers, Clean Genesis Solutions
- No Canadian credit history. We leverage international credit reports, rent receipts, or employment letters to qualify you.
- Unfamiliar with process. We walk you through each step with multilingual support and clear checklists.
- Down payment confusion. We show minimum requirements and acceptable sources, including gifts or savings abroad.
- Employment still probationary. We match lenders that accept contract or probation income.
- Unsure of total costs. We model purchase price, taxes, and closing costs so you avoid surprises.
Why Choose Genesis Group for Your New to Canada Mortgage
- 100+ lenders compared. Banks, credit unions, and newcomer programs side by side.
- Newcomer expertise. Experience guiding clients with little or no Canadian credit history.
- Tailored solutions. Flexible documentation accepted for employment, rent, and income proof.
- Concierge process. White-glove service with fewer asks and faster approvals.
- Pathway to prime. We map your timeline to refinance into the best market rates later.
5 Year - Fixed Term from
Get Started Now and Save Thousands!
No cost, no obligation—just your best rate in minutes.
At Genesis, we’re dedicated to securing the lowest rate possible for you. Your personalized rate depends on factors like credit score and home equity, in line with Canadian regulations. Get your tailored details quickly—with zero cost, zero obligation, and total peace of mind.
How It Works (Step-by-Step Guide)
- Book a free consultation. Share your goals and immigration status.
- Gather documents. Rent history, employment letters, pay stubs, or international credit reports.
- Apply once. We package your file and shop 100+ lenders for the best match.
- Get approved. Secure terms aligned to your goals and budget.
- Close with confidence. Take possession stress-free with our guidance.
Soft check • No impact on credit • FSRA-licensed
Discover the Key Benefits of Choosing Your New to Canada Mortgage with Genesis Group.
⭐⭐⭐⭐⭐ Experience Guaranteed
My husband and I had used Kirk and his team upon closing a deal on our home. We couldn’t be more happy with everything Kirk and Brittney have done for... read more
Laura Vescio
11/13/2024Kirk is a class act! He helped me with my first home property mortgage and couldn’t have asked for a more professional person to deal with. Him and his team... read more
Lui Vescio Jr.
12/13/2024My partner and I have been in our first home for over a month now and we cannot thank Kirk and The Genesis Team enough! Kirk was patient, professional, supportive,... read more
stephanie B
01/13/2023From the very first meeting to the joyous moment of receiving my keys, The Genesis Group, under the astute leadership of Kirk Bryan, has been nothing short of spectacular in... read more
Rohan Germain
01/13/2024Could not say enough about The Genesis Group. The level of dedication, professionalism, and knowledge is unmatched. When dealing with such a big life decision like buying a house -... read more
Maria Woychyshyn
11/13/2024Had a great experience dealing with Brittney. Fantastic communication and really worked for me and my needs. Will never go anywhere else for my financial needs
Mark Winter
11/13/2024If getting a mortgage was an Olympic sport, these guys would take gold—blindfolded, on a unicycle, while juggling flaming swords. They made the process so smooth, I was half convinced... read more
Samantha L
09/13/2024I had a great experience with The Genesis Group. The process was smooth, with clear communication and competitive rates. Their team was responsive and helpful throughout. Highly recommend!
Breanna Bacik
09/13/2024As a first-time homebuyer, navigating the mortgage process can be incredibly daunting, but The Genesis Group made it not only manageable but truly rewarding. I had the distinct pleasure of... read more
Rohan Spence
05/13/2024
Gain access to our vast network of 100+ lenders offering tailored residential mortgages to suit your financial needs.
Real results for Newcomers to Canada
First home with rent history
Used rental receipts and employment letters to qualify without Canadian credit.
Read case studyImmigration status accepted
Approval based on work permit income and savings transferred from abroad.
Read case studyFlexible documentation
International credit reports accepted to fast-track approval.
More success storiesFrequently Asked Questions
What is a New to Canada mortgage and who qualifies?
A New to Canada mortgage helps recent immigrants buy a home even with limited Canadian credit history. Lenders assess immigration status, income, down payment, and alternative proofs like rent history or international credit. We compare 100+ lenders and match the program that fits your documents and timeline.
What documents do immigrants need for a mortgage in Canada?
Typical documents include passport and status (PR card, work or study permit), employment letter and pay stubs or contracts, proof of down payment and source of funds, rent history or landlord letters, and a credit report if available. We provide a clean checklist so you submit once and close smoothly. Review costs with the Closing Costs Guide.
Can I get approved without Canadian credit history?
Often yes. Many newcomer programs accept alternative proofs such as international credit reports, utility or rent payment history, or bank statements. We package these items to lender standards and secure terms that fit your budget. Start with the Mortgage Payment Calculator.
How much down payment do newcomers to Canada need?
Minimum down payment depends on purchase price and program. Newcomer programs may allow insured options with smaller down payments when eligibility rules are met, while conventional programs typically require more equity. We model scenarios and confirm acceptable sources, including gifts and funds transferred from abroad.
Will my work permit or probationary employment be accepted?
Many lenders accept valid work permits and contract or probationary employment with proper documentation. We match policies to your employment type and present the file so ratios and stability meet lender expectations.
Can I use international funds for my down payment?
Yes, if the source of funds is verified and the transfer meets anti-money-laundering rules. We coordinate timing with your bank and lawyer so funds arrive and are documented correctly. Use our Mortgage Terminology Guide to decode paperwork.
How long does a New to Canada mortgage approval take?
Straightforward newcomer files can receive conditional approval in a few business days. Final timelines depend on appraisal, document verification, and lawyer turnarounds. We run items in parallel to keep possession dates on track.
Where can I find official guidance for immigrants buying a home in Canada?
CMHC publishes newcomer resources on mortgage insurance and documentation. Review current guidance on the CMHC Newcomers to Canada page, then talk to us about lender-specific rules and the best structure for your situation.
Get started
Ready to buy your first Canadian home? We’ll package your documents, negotiate with lenders, and guide you every step with clarity and confidence.
Soft check • No impact on credit • FSRA-licensed
