Mortgage Services
Mortgages for newcomers to Canada in Atlantic Canada
Moving to a new country is a lot. New job, new city, new banking system, new credit score (or none yet), new everything. The last thing you should have to worry about is whether you can ever buy a home. Here's the truth: you can — and probably much sooner than you think. You don't need three years of Canadian credit history, you don't need to wait for PR, and in most cases you don't need a huge down payment. Rahul has helped hundreds of newcomers across Halifax, Dartmouth, Moncton, and beyond buy their first Canadian home. He speaks English, Persian, Hindi, Punjabi, Gujarati, Vietnamese, and Indonesian, and he can walk you through this entire process in the language you're most comfortable in.
You can qualify for a mortgage in Canada — even if you've just landed. Rahul has placed hundreds of newcomer files across NS and NB using lender programs designed specifically for PR holders, open work permit holders, and recent citizens.
Available in English, हिन्दी, and ਪੰਜਾਬੀ
Who this is for
- Permanent residents (any time since landing)
- Work permit holders (closed or open permit)
- Study permit holders with a co-signer
- Foreign nationals on certain temporary visas
- Newcomers with foreign income, foreign credit, or limited Canadian credit
How Rahul handles your file
Step 1 — Confirming your status and identifying your program
Different lenders treat different statuses differently. PR holders typically have access to the same programs as Canadian citizens. Work permit holders qualify under “newcomer programs” with several A-lenders, usually requiring 5-10% down. We'll start by confirming exactly which lane fits you.
Step 2 — Working around limited Canadian credit
No Canadian credit score? Not a problem on its own. We use:
- Letters from your home-country bank confirming history
- Rent payment confirmation (12+ months of clean payments)
- Utility bills, phone bills, insurance — anything showing you pay on time
- Reference letters from your employer
Lenders with “new to Canada” programs are set up to evaluate exactly this kind of file.
Step 3 — Down payment from anywhere in the world
Your down payment can come from:
- Savings (anywhere — properly documented for 90 days)
- A gift from a family member (gift letter required)
- A transfer from a foreign account (we'll guide you on the paperwork)
Funds from cryptocurrency or undocumented sources need extra care — we'll walk you through it.
Step 4 — Foreign income
Earning income from a job back home? Some lenders accept it; some don't. Where they do, you'll typically need:
- 2 years of foreign tax returns
- Confirmation of continuing income
- Letter from employer
- Foreign bank statements showing deposits
We'll structure the file around the lenders most friendly to your specific income mix.
What you'll need
- ID + status documents (PR card, work permit, study permit, passport)
- Canadian employment letter and pay stubs (if applicable)
- 90-day history of down payment
- Whatever credit / rent / utility history you have
- For foreign income: tax returns, bank statements, employer letter
A real client's story
“We landed in Halifax in October on work permits. By April, Rahul had us in our first Canadian home. He spoke to my parents in Punjabi about the down payment gift letter and that made everything easier. We were the only ones in our friend group who managed to buy our first year here.”
FAQ
Ready to start?
Book a free call with Rahul — we'll figure out exactly which lender programs fit your status and income, and what you'd need to qualify.
Available in English, हिन्दी, and ਪੰਜਾਬੀ.