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Use your mortgage to build the space of your dreams.

Is This Right for You?

If you’re a homeowner and have built equity in your property, this option could be a smart financial move.

What Can It Be Used For?

You can access part of your home’s equity to cover major expenses—like home renovations.

Jumping Over the Hurdles

A new country often means a new start—and for many newcomers, that also means starting with little to no Canadian credit history. Traditional lenders usually evaluate mortgage applications based on employment, income, debt ratios, and past credit performance. As a new immigrant, it’s tough to check all those boxes. That’s where Lend Centre steps in—to help you secure a New-to-Canada Mortgage smoothly and stress-free.

What Lenders Look For

Lenders mainly want reassurance that you’ll be able to make your monthly mortgage payments consistently. This usually means showing proof of stable employment, regular income, and a track record of paying debts on time. But for new Canadians—whether you’re a permanent resident or on a temporary work visa—building that history takes time. Luckily, there are other ways to demonstrate your financial reliability.

Supporting Documentation

Even without a long Canadian credit record, you can still prove your financial strength. Lenders may accept:

  • A reference letter from your landlord

  • Utility bills or statements showing accounts in good standing

  • An international credit report from your home country

  • At least three months of employment history in Canada

  • Bank statements showing consistent, pre-authorized payments

Each of these helps build a strong case for your mortgage approval.

Why Choose Lend Centre?

At Lend Centre, we work closely with lenders across Canada who specialize in newcomer programs. Our team understands the challenges immigrants face, and we know how to highlight your strengths. No matter your situation, we’ll help package your application in the best possible way so you can get approved for financing—and start building your future in Canada with confidence.