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Mortgage for New Immigrants

Moving to a new country can be a difficult and very stressful decision. You need to get a new job, find new friends and make millions of small and large decisions. What else is on your table, as a new immigrant?

 

Oh yes – a home to live in! You need a place to live, and taking into consideration the prices for rent in Vancouver and Toronto, both cities where many immigrants first arrive, it becomes clear that buying a house might be a better option than renting one. 

 

As you are new here you most likely will not have a credit history or a job jet. However, if you brought all of your savings to Canada, then perhaps you can think of applying it towards a down payment instead of rent so that you can have a place to call your own.

 

You would need a 35% down payment and around 10% on top of it, to pay your mortgage for the first 2 years.

 

There is no need to wait for full citizenship. As soon as you have your PR, you can purchase your home in Canada.

 

Please note that a bank may ask for the international credit report (depending on the country you arrived from) and check your credibility.

 

We have helped new immigrants for over 15 years and gained approval for thousands for their first home in this beautiful country!

 

Ipoteka Mortgage Offers The Lowest Mortgage Rates Possible for Home Purchase, Renewals, Refinancing, Construction etc.

We look forward to helping you!

Contact Us and Find Out What Options You Have, Anytime.

  1. Phone: +1 (778) 836-6461
  2. Email: iryna.rudavska@ipoteka.ca
  3. Fill out the Contact Form

Our Services are FREE and NO FEES or Obligations on Your End!

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Mortgage Information
Mortgage for First Home Buyers
Mortgage for First Home Buyers
Put yourself on the path towards home ownership with helpful tools and information while you dream and shop.
Mortgage for Real Estate Investors
Mortgage For Real Estate Investor
Before seeking real estate investment financing for your property purchase, planning ahead should be a key part of your overall strategy.
Mortgage with Bad Credit Score
Mortgage with Bad Credit Score
It's possible to get a mortgage with bad credit, although you'll probably pay higher interest rates and you may need to come up with a larger deposit.
Mortgage for Work Visa Holders
Mortgage for Work Visa Holders
For Conventional mortgages, banks or lenders can work with home buyers making a 35% down-payment as long as they have a valid work permit and it is still valid for 6 months or more.
Mortgage for Self Employed Individuals
Mortgage for Self Employed canada
Self-employed borrowers have access to exactly the same range of mortgage products as everyone else as long as you are able to put down the necessary deposit and prove you can make the repayments on your loan
Mortgage for New Immigrants
Mortgage for New Immigrants
A mortgage for new immigrants is specifically designed to make the purchase of a home as easy as possible for new immigrants and is often considered an important step to becoming established in Canada.
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Testimonials
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Getting a mortgage is a very stressful time. Iryna and Oleh provided exceptional service in answering all of our questions and making sure we felt comfortable with the decisions we made. They helped us in determining what we could afford and whether a fixed or variable rate was most suitable for us. They are extremely knowledgeable and professional and worked hard to get us into the home we really wanted. We couldn't be happier and would recommend Iryna and Oleh to ANYONE looking to buy a home. Thanks again
Sergey & Natalia
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I was so nervous! I wanted to make sure I have all the money ready on time - I know how hard it to get for the second purchase ? Thank you, Iryna. You are made of gold !! ?
Sabina
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Iryna, Thank you for your invaluable help! I realize that it was not an easy task and required a high degree of ingenuity. No doubt I saved your contacts for future uses and/or referrals. From sunny Manitoba (with a balmy temperature of -21C)
Alex
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From the beginning, I was impressed by her attendance to details and swift reply to any questions leading to a smooth acquisition of a new mortgage. Iryna’s natural capitalization on her vast experience let her path to becoming an independent mortgage broker. This turned out to be to my advantage while shopping for a very competitive mortgage rate during second house acquisition, and I found Iryna to be a great asset while facing the unknown territory of bridge financing within the new approval process. I would highly recommend Iryna’s services to anybody who is in need of a mortgage or any other financial services her company is offering, you will like the result, I know I did.
KK
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Hello Iryna, We would like to thank you and your team again for great job in achievement our goal. Your friendliness, professionalism and knowledge was a huge help in getting this new milestone. Your communication was as transparent as can be. We had some problems in understanding the process sometimes, but you guys always were patient enough to clear things up in a very transparent manner. You were always on top of things and always available for us to communicate. Your responses always appeared in a snap. We will recommend you to all of our friends and relatives in the future. We definitely will be in touch. Happy holidays!
Irina & Andrey
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When Iryna comes to mind, there is one word that stands out more than others that I can use to describe her and that is: Dedication. From the first consultation at her office to the latter stages of mortgage hunting, Iryna has been consistent and dedicated to finding Troy and myself the best possible mortgage suited for our lifestyle and financial needs. If you need her in the evening or early morning e-mails, Iryna is always available to meet your needs and is working hard to take care of you as if you were her own family. Troy and I have grown very fond of Iryna and feel blessed to have her in our corner. We couldn’t have come far in the journey of first-time home buying without her dedication.
Una
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