New To Canada Mortgage Strategies
Your new home. Your new beginning.
Starting a life in a new country is a big step — and buying a home can feel overwhelming. At Valko Financial, we’re here to make the process clear, simple, and supportive with mortgage solutions designed specifically for newcomers to Canada.
Whether you're on a work permit, recently became a permanent resident, or still building your credit history, our team will guide you every step of the way. We’ll explain everything in plain language, offer personalized advice, and connect you with mortgage products that fit your unique situation — even if you’re still settling in.
If you've moved to Canada within the last 5 years and dream of owning a home, we're here to help you feel confident, informed, and empowered in your journey.
Can I get a mortgage in Canada if I don’t have a long credit history here?
Yes. Many lenders offer mortgage programs specifically for newcomers with limited or no Canadian credit history. We’ll help you explore your options and guide you through what documentation you’ll need to qualify.
What documents do I need as a newcomer to apply for a mortgage?
Typically, you’ll need proof of income or employment, immigration status (such as a work permit or PR card), a valid ID, and information about your down payment. Don’t worry — we’ll walk you through each requirement based on your unique situation.
Can I buy a home if I’m on a work permit or haven’t received permanent residency yet?
Yes. Many lenders allow individuals on valid work permits to qualify for a mortgage, especially if you’ve been employed in Canada for a certain period. We’ll help you find the right mortgage solution for your current status and future plans.
Fantastic experience working with Valko Financial. Matthew was very helpful and kept on top of requirements with both myself and my lawyer. Thank you!
Read more
Kelly Zinger
2 days ago
Honesty, Integrity, Commitment & Professionalism! Cindy White checks off each and every box. We truly appreciate and have so much respect not just for your knowledge but also for your guidance. You have always through the years without fail kept our best interest front line and centre. If you were unsure of an answer you found it without hesitation, building a trustworthy relationship one step outta time. My recommendations will always be with you to meet all financial needs! Warmest regards. Nancy & Clarence
Read more
CNC
4 days ago
I had an excellent experience with the Tracy Valko team. Santiago and Matt were incredibly helpful, providing clear advice and great mortgage options tailored to my needs. They made the process simple and stress-free, especially with the paperwork, which they handled smoothly and efficiently. I really appreciated their professionalism and support throughout the process. Highly recommend them if you are looking for a mortgage good rate
Read more
Diana Carreon
22 days ago
You Belong Here — And We’ll Help You Feel at Home
Buying a home in a new country can be daunting — but with the right team, it’s completely possible. We’re proud to help newcomers like you make Canada truly feel like home.