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New to Canada?
Get a mortgage with 5 or 10% down payment

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Quelle est la mise de fonds minimale pour un nouvel arrivant au Canada?

NEWCOMER

What is the minimum down payment for a newcomer to Canada?

Whether you are a temporary or permanent resident, there are solutions with a down payment of 5% or 10%.

If you are a newcomer to Quebec, we can help you obtain a mortgage loan to finance the purchase of a house or a condo, a duplex…

NEWCOMER

Will being a temporary resident raise my interest rate?

No, the Rate generally depends on the duration(term) of the loan amount, your credit history.
It does not depend on your status in Canada

NEWCOMER

We know and understand your situation.

Some of our team members are themselves from an immigrant background and we have accompanied hundreds of newcomers over the last few years.
We fully understand what you are going through with your fears, doubts, beliefs and lack of information.

Please know that in Europe, or anywhere else in the world, the system is completely different. Here things are simpler but there are tricks and rules to know imperatively to make a good purchase and have the best home loan.

It’s part of our job to explain them to you.
Take advantage of it, it’s always free.

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YOUR PROJECT

Now that you know we can help you, tell us where you are in your project?

Mortgage is more than a word to us, it’s a specialty
We are here to explain, guide, accompany and make sure that the word mortgage and what surrounds it is clear to everyone.
We work with you, at every step of the buying process, to make sure that you understand all the options and that you find an advantageous rate adapted to your needs.

Other frequently asked questions about mortgages in Quebec.

Yes, like everyone else if you have a stable income and want to settle in the province permanently, this is one of the best ways to invest and stop paying rent every month to a landlord who can take you out of the apartment at any time.
Have peace of mind, you can become a landlord in Canada.

It is not necessary to wait until you are a permanent resident or Canadian.

Many newcomers are often unaware of what a credit report is. In a nutshell, it is a score that is assigned to you based on your payment history. You must pay your obligations on time and meet the deadlines. This score ranges from 300 to 900.

Before granting you a loan, banks will check your credit report.
It is important in obtaining your mortgage and it can also influence your loan rate.

Despite the relatively simple definition of the term, Europeans may draw the wrong conclusions from this system. For example, a European will tend to think, “If I have never used credit, my credit score or record will be good.

This is not how the system works! To build your credit history, it is important to create a history of borrowing and meeting your repayment obligations on time!

This is the opposite of your first intuition.
Here, the more you borrow and the more you pay back, the better your score and the more you can borrow afterwards, but be careful never to pay late and never to use your credit card more than 60% of its authorized limit.

mortgage pre-qualification: this is an estimate of the maximum loan that a lender could grant you; A mortgage pre-approval: this is a form of commitment on the part of the lender, and is conditional on your situation not changing and on the value of the property you are going to buy being supported by the insurer or appraiser at the time of the application for financing

No. You are free to take out your mortgage at any institution you wish. Moreover, we will see with you at the right time if there is not another offer more advantageous for you, if it is the case you will be able to choose a more interesting option.

We will provide you with the pre-qualification or pre-approval mortgage that corresponds to your needs. However, if your search evolves (Condominium, Duplex, Triplex, Single family home…) it is likely that your borrowing capacity and certain factors will influence your borrowing capacity (upwards or downwards), we will remain at your disposal during the process to evaluate with precision what you can obtain.

NEWCOMER

Will being a temporary resident raise my rate?

No, the rate depends on your situation, the duration and the amount requested.
It does not depend on your status in Canada

Let’s quickly review the different general expenses that come with a real estate purchase:

  • Notary fees (much cheaper than in France)
  • Mortgage Insurance Premium Tax (9% Tax)
  • Welcome tax(transfer tax, % varies by municipality)
  • GST and QST (in the case of new construction only): this is the equivalent of the VAT in France or Belgium. Note, however, that there are tax incentives depending on the amount of the purchase. Read the article

Other fees may be added: for example, the certificate of location, title insurance or inspection and appraisal fees.

But again, we know the steps, the costs and we will give you exactly the list of all the other expenses to be expected.

This is why the expertise of a mortgage broker is essential to quickly scan the information regarding mortgage credit available to newcomers to Canada.

Let us help you see it clearly.

While it is possible to obtain a mortgage as a newcomer to Canada, there are some minimum requirements. Here’s what you need to know:

  • Have a minimum down payment of 5% for a purchase of less than $500,000. If the amount is greater, the down payment must reach 10% (from $500,001)
  • Have a full-time job without probation (no trial period)
  • Reside in the property you will be purchasing. Note: if it is a duplex, you can rent out the other unit
  • Buying a home or condo under $1 million

Before you are approved, you will of course need to provide supporting documentation:

  • Proof of your legal stay in Canada (work permit, WHP, permanent residence ….)
  • Confirmation of your income: last pay stub, letter of employment
  • Proof that you have the down payment in an account in your name.

If you do not have a credit score in Canada, it is possible to provide alternative proof.

For example:

  • Through his landlord (rental payment history)
  • Via your gas/phone/electricity supplier (paid bills)
  • By presenting his account statements
  • By providing a letter of reference (recommendation) from a bank

Your situation is unique and we will work with you to find the right solution for your needs.

We will provide you with our expertise in the field of mortgages. Our services are free. And we know exactly how it works!

Read the article

Renouvellement hypothécaire

NEWCOMER

We know and understand your situation.

Some of our team members are themselves from an immigrant background and we have accompanied hundreds of newcomers over the last few years.
We fully understand what you are going through with your fears, doubts, beliefs and lack of information.

Please know that in Europe, or anywhere else in the world, the system is completely different. Here things are simpler but there are tricks and rules to know imperatively to make a good purchase and have the best home loan.

It’s part of our job to explain them to you.
Take advantage of it, it’s always free.

 

NEWCOMER

How to choose a mortgage between all the banks?

Using our services will improve your chances of success. We know all the lenders and their access requirements. We have access to all their products.

This way you will not be limited by the offer of a single bank. Our brokers can offer you many solutions according to your profile and your specific needs. All this, free of charge.

You are still in your home country, and are you preparing your arrival here?

Profitez des programmes hypothécaires pour nouveaux immigrants.