New to Canada Mortgage Solutions

Helping Newcomers Buy Homes in Alberta, Ontario & Manitoba

Are you new to Canada and unsure if you qualify for a mortgage?

​

You don’t need years of Canadian credit history to become a homeowner. At Mortgages with Mukul, we help permanent residents, work permit holders, and newcomers secure mortgage approvals through specialized New to Canada programs.

​

Can You Get a Mortgage as a Newcomer?

​

Yes - many lenders offer flexible mortgage options for newcomers who:

• Have limited Canadian credit history

• Recently started a job in Canada

• Are on a valid work permit

• Have foreign income or international credit

• Have been in Canada less than 5 years

The key is structuring your application properly.

​

What Lenders May Consider

​

Even without long credit history, lenders can review:

• Employment letter & income

• Down payment source

• Rental payment history

• International credit report

• Professional background

Every file is different — strategy matters.

​

Down Payment for New to Canada Mortgages

​

Depending on your profile:

• 5% minimum (if eligible under insured programs)

• 10%–20% for certain residency or income types

We compare multiple lenders to find the best option for your situation.

​

Why Work With Mukul?

✔ Licensed in 3 provinces
✔ Access to banks, credit unions & alternative lenders
✔ Over $100M+ funded
✔ 300+ families helped
✔ Personalized mortgage strategy

We understand newcomer challenges — and we know how to position your application for approval.

​

Ready to Buy Your First Home in Canada?

​

If you’re new to Canada and planning to buy in Alberta, Ontario or Manitoba - let’s explore your options.

📞 Book a consultation
💻 Apply online
🏡 Start building your future in Canada today