You’ve moved to Canada, welcome!  Home Ownership is POSSIBLE! 

It’s a time of many changes for you and your family. One of the things you’ll certainly want to consider is purchasing a home to settle into. Owning a home is a source of pride, satisfaction, and accomplishment, not to mention an investment that can grow over time to benefit you and your family.  Before you begin shopping for a new home, it’s important to know how much you qualify for, and how much you can afford.  In addition to purchasing a home, other expenses will include heating and utilities, property taxes, home maintenance, and insurance. I’m here to help… and remember, there is NO COST to you!

  • Opportunity: helping new Canadians own their home sooner and become economically established in Canada
  • Low down payment: as little as 5% down
  • Flexible: fixed, variable, or adjustable rate mortgages available
  • Common-sense evaluation: all files are reviewed by individual circumstances

Credit and work history are very important when trying to obtain a mortgage. But as a newcomer to Canada, you may not have a credit history that is accessible to Canadian lenders — we can look at other options, including your international credit bureau and/or other bill payments/history here in Canada.

Here are some tips that will help you show a lender you are able to repay a mortgage:

  1. Open a bank account and use it regularly
  2. Consistently pay your bills on time — including rent, utilities, cable, and insurance premiums
  3. Apply for small loans from your bank to starting proving that you can pay on time
  4. Apply for a credit card
  5. Try to stay with the same employer for an extended period of time

Call me to get started – I look forward to working with you!