New to Canada
We know that immigrating to a new country is filled with excitement – but getting a mortgage as a newcomer to Canada isn’t always easy. Whether you’re here for a work permit, recently became a permanent resident, or are embarking on your new life with family/friends, we are here to ensure that your homeownership journey is easy, smooth, and stress-free.
Helping Newcomers Become Homeowners
Conventional lenders often require a long history of Canadian credit and financial records, which many new arrivals have yet to establish. We at SD Mortgages know how to navigate the complex world of mortgages designed specifically for newcomers so that you can get the best mortgage options right for you.
Who We Help
We are proud to serve:
- New permanent residents
- Individuals on work permits
- Immigrants working on their Canadian credit as newcomers to Canada
- International students with financial support
- Families moving to work or study
If you have little or no Canadian credit history, don’t worry — you can still be approved with the right guidance.
Our New to Canada Mortgage Services
Mortgage Pre-Approval
Know your budget, buy with confidence. We assist you in determining what you can qualify for and which programs best suit your situation.
Access: Newcomer Mortgage Programs
We can connect you with Canada’s major banks that offer special programs for newcomers to Canada, which facilitate flexible documentation requirements, a minimum down payment, and acceptable credit alternatives.
Credit & Documentation Guidance
Don’t have Canadian credit yet? No problem. We work with you to establish credit through the use of alternative credit sources, including:
- Rental history
- Utility bills
- International banking records
- Employment and income letters
Compare Best & Products Rates
We, as mortgage agents, shop around with many banks and lenders to ensure you get the best rate for your specific needs – something that you can’t do if you go to one bank.
Begin to End Personal Support
For every requirement, we lay it all out for you so you feel confident throughout the whole process.
Why Choose SD Mortgages?
Experience with Newcomer Files
Newcomer mortgage applications are something we deal with every day, and we know precisely which questions to ask.
More Approval Opportunities
Because we’re dealing with a network of lenders, you have more opportunities to be approved — even if one bank says no.
Fast, Transparent, and Friendly Service
Here is where we interpret everything with no confusing lingo or surprises.
We Work for You, Not the Bank
We want to lock in your future here with the best mortgage for your financial success, now and in the future.
Start Your Homeownership Journey Today
Living in a new country is a big step; buying a home there shouldn’t be. At SD Mortgages, we are dedicated to helping Newcomers build their credit and afford the home they’ve always wanted.