Mortgages for Newcomers to Canada in Ottawa

New country, new home. Let's make it simpler.

Moving to Canada is a big step, and buying your first home here can feel confusing: no Canadian credit history, a new job, different rules. The good news is that there are mortgage programs built for newcomers. I've helped families through this process in English, Hebrew and Russian, so you can ask every question in the language you're most comfortable with.

How I help

• Find newcomer-friendly lenders and programs, including options for permanent residents and some work-permit holders.
• Build your file without Canadian credit: rent history, utility payments, bank references, or an international credit report.
• Explain the Canadian process step by step, from pre-approval to closing day.

Questions I hear most

"Can I get a mortgage without Canadian credit history?"
Often, yes. Some programs accept other proof that you pay your bills reliably.

"How much down payment do I need?"
It depends on your status and the program, sometimes as little as 5%.

"Can I buy if I'm not a permanent resident yet?"
Federal rules limit some non-Canadians from buying homes, with exceptions. I'll check what applies to you.

Your next step

Book a free call in English, Hebrew or Russian. We'll create a plan that fits your situation.