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

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.

A 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.