Built for newcomers
Canadian lenders have specific programs designed for immigrants, permanent residents, and work permit holders.
No Credit History Required
Many lenders offer newcomer programs that don’t require Canadian credit history. Your international credit and banking records can be used instead.
Foreign Income Accepted
If you’re still earning income from outside Canada, many lenders will accept foreign pay stubs, employment letters, and tax returns.
Flexible Documentation
We accept PR cards, work permits, international banking statements, foreign credit reports, and overseas employment verification.
Programs for every immigration status
Permanent Residents (PR)
Full access to all newcomer mortgage programs. Many A lenders offer competitive rates with as little as 5% down for PR holders.
Work Permit Holders
If you have a valid work permit with at least 1 year remaining, you may qualify for A or B lender programs.
International Students
With a co-signer or substantial down payment, some lenders offer programs for international students studying in Canada.
Recently Landed Immigrants
Landed within the last 5 years? Special newcomer programs offer reduced documentation requirements and competitive rates.
How it works
Share Your Status
Tell us your immigration status, how long you’ve been in Canada, and your income situation.
Document Collection
We’ll tell you exactly what’s needed based on your status — PR card, work permit, foreign income docs, etc.
Lender Matching
We match you to lenders with the best newcomer programs for your specific situation.
Approval & Keys
Once approved, we coordinate with your lawyer for a smooth closing. Welcome home to Canada.
Documents we accept
New to Canada? Let's get you home.
Speak with a licensed Tordon advisor today.