Buying
New to Canada mortgages with Team Active Mortgage
You don't need years of Canadian credit to buy a home here. Several lenders have programs for permanent residents, work-permit holders and recent arrivals. Our brokers — many of whom speak languages beyond English — guide you through the process.
Who this is for
- Permanent residents who arrived recently
- Work-permit holders with stable employment
- Families building Canadian credit from scratch
How our brokers help
- Explain newcomer programs and their down payment requirements
- Help you document foreign credit, income and savings
- Connect you with a broker who speaks your language where possible
Common questions
Can I get a mortgage without Canadian credit history?
Often, yes. Newcomer programs may accept alternative proof such as rent payments or international credit reports.
Do I need permanent residency?
Not always. Some lenders work with work-permit holders, depending on the program and your employment.
Can I speak with a broker in my language?
Our brokers speak a range of languages. See our brokers-by-language page to find one.
Ready to talk it through?
Book a no-obligation call or start a short pre-application.