For Newcomers & Permanent Residents
New to Canada Mortgages
Janice Mejias helps newcomers to Canada qualify for a mortgage with limited Canadian credit history, using newcomer programs from banks and alternative lenders, with the whole process available in Spanish.
Call 437-475-4838You can qualify for a mortgage as a newcomer. There are programs designed specifically for people who arrived within the last five years, including options for limited Canadian credit history and down payments as low as five percent with permanent resident status.
The hard part is not the programs. It is finding someone who knows which lender runs which program, what documents substitute for a Canadian credit file, and who will walk you through it in your language. Janice is a native Spanish speaker and handles the entire process in English or Spanish.
What you get
Newcomer programs
Bank and insurer programs built for buyers who arrived in Canada within five years.
Thin credit file solutions
International credit reports, rent history, and utility payments can support your file.
Work permit and PR options
Permanent residents and many work-permit holders both have paths to approval.
Todo el proceso en español
Every call, every document, every explanation available in Spanish. No translator needed.
How it works
Status and history review
PR or permit, time in Canada, income, and what credit history exists here or abroad.
Program match
We pick the newcomer program that fits your status and down payment.
Guided application
Step-by-step, in your language, through approval and closing.
Common questions
Yes. With permanent residency, many buyers qualify with as little as five percent down inside their first five years here. Limited Canadian credit history is workable, lenders can use alternative proof like rent and utilities or an international credit report.
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A 30-minute call with Janice Mejias, Mortgage Agent Level 1, FSRA #13669. No fees, no pressure.
Call 437-475-4838