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Helping Newcomers Achieve Homeownership Moving to Canada is an exciting new chapter — and buying your first Canadian home should...
Takes 30 seconds. No credit check required.
Moving to Canada is an exciting new chapter — and buying your first Canadian home should not be held back by a lack of local credit history or employment records. Mortgagefy specializes in newcomer mortgage programs that work with your international background, foreign income documentation, and unique circumstances. We connect you with lenders who understand the newcomer experience.
A newcomer mortgage is a specialized program designed for permanent residents, temporary residents, and work permit holders who have been in Canada for five years or less. These programs have more flexible requirements than traditional mortgages, recognizing that newcomers may not yet have Canadian credit history, Canadian employment records, or a lengthy banking relationship. Major banks, credit unions, B-lenders, and insured mortgage programs from CMHC, Sagen, and Canada Guaranty all offer newcomer-specific products.
Permanent residents who have arrived in Canada within the past five years. Non-permanent residents with valid work permits and employment. Refugees with protected person status. International students with eligible co-signers. Newcomers without Canadian credit history can use international credit reports, bank reference letters, or rental payment history as alternatives.
Down payments as low as 5% for permanent residents with insured mortgages. Flexible credit documentation — international credit history accepted by many lenders. No minimum time in Canada required for CMHC-insured programs. Access to major bank newcomer programs as well as B-lender and private options. Guidance in your language and cultural context from a team experienced with newcomer files.
We review your immigration status, employment situation, savings, and any international credit history. Based on your profile, we match you with the best lender program — whether that is a major bank newcomer program, a CMHC-insured product, or a B-lender solution. We handle the entire process, including documentation, translation support where needed, and coordination with your lawyer and real estate agent.
Tell us about your situation. We review your needs, goals, and financial picture — quick and confidential.
We compare rates and terms from our network of banks, credit unions, B-lenders, and private lenders to find your best match.
Once you choose your best option, we handle the paperwork and guide you through to funding — fast and stress-free.
Fully licensed and regulated in Ontario. Your interests are legally protected.
Clear terms, honest guidance, and a dedicated agent working to get you the best deal.
Pre-approvals in 24 hours. Private lender funding in as little as 48 hours when time is critical.
We shop your application across banks, credit unions, B-lenders, and private lenders Canada-wide.
Get a personalized rate quote in under 60 seconds. No hard credit check required.
Fully licensed, operating under 8Twelve Mortgage Corporation (Lic#13072).
Access to Canada's largest network of banks, credit unions, B-lenders, and private lenders.
Get a response within 2 business hours. Many approvals within 24-48 hours.
Expert guidance with zero pressure. We work for you, not the banks.
A licensed mortgage agent will personally review your situation and call you back within 2 hours. No pressure, just expert guidance.
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Mortgage services provided by 8Twelve Mortgage Corporation, licensed mortgage brokerage (Lic#13072).
Have questions about your mortgage options? Book a quick call with a licensed agent — no pressure, no obligation.
