New to
Canada?

Work with a broker who can get you a mortgage.

Overcoming the Hurdles of a New Start

In Canada, most lenders assess mortgage applications based on employment stability, income, debt service ratios, and credit history. For newcomers, these requirements can feel overwhelming—especially when you don’t yet have an established financial record in the country. That’s where the right mortgage broker becomes essential, guiding you through the process and helping you secure a New-to-Canada mortgage quickly and seamlessly.

What Lenders Look For

Lenders want reassurance that you’ll be able to make your monthly mortgage payments without default. Typically, this means reviewing:

  • Employment and salary details.

  • Proof of past debt repayment history.

  • Evidence of financial stability.

For new permanent residents or individuals on temporary work visas, providing this information can be challenging. However, there are alternative ways to prove your creditworthiness and gain mortgage approval as a newcomer.

Supporting Documentation for Newcomers

If you don’t have a long Canadian credit history, you can still present strong evidence to support your application. This may include:

  • A reference letter from your landlord.

  • Utility bills showing accounts in good standing.

  • An international credit report to complement your Canadian file.

  • Proof of at least three months of employment in Canada.

  • Bank statements with pre-authorized payments.

Each piece of documentation strengthens your case and reassures lenders of your reliability.

Lendcentre is On Your Side

At Lendcentre, we specialize in helping newcomers achieve homeownership in Canada. Thanks to our strong relationships with lenders nationwide, we know exactly which programs and products are best suited for new Canadians.

Our team is:

  • Resourceful – We find creative ways to present your application.

  • Knowledgeable – We understand lender requirements inside and out.

  • Solution-Focused – We tailor your file to highlight your strengths.

In our experience, every client has something to demonstrate eligibility—we simply help you showcase it in the most effective way. With the right guidance, becoming a homeowner in Canada is more achievable than you might think.