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Credit Score Requirements

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What Credit Score Can I Get in 90 Days as a New Canadian?

Within 90 days, new Canadians typically reach 600-650 credit scores, but the path to mortgage-worthy 680+ requires understanding these overlooked timeline mechanics.

By Immigration Status

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PR Vs Work Permit for Home Buying: Which Status Wins?

PR wins with 5% down and better rates, while work permits demand 20-35% down—but which hidden costs matter most?

By Immigration Status

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Why Newcomer Mortgages Aren’t Actually ‘Harder’ (What’s Really Different)

Prove newcomer mortgages aren't harder—just different documentation with identical scrutiny, plus specialized programs that accommodate your unique situation.

By Immigration Status

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How to Buy a House on a Work Permit in Ontario: The Complete 2026 Guide

Down payment shock awaits work permit holders in Ontario—discover why your permit's expiry date matters more than your credit score.

By Immigration Status

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7 Things Work Permit Holders Must Know Before House Hunting in Ontario

Critical mortgage rules and hidden timelines can disqualify work permit holders from Ontario properties they've already committed to buying.

By Immigration Status

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Can International Students Buy a House in Canada? (The Honest Answer)

Discover why Canada's law allows international students to buy homes but doesn't mention the hidden barriers that make it nearly impossible.

Foreign Income Properties

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How to Qualify for an Ontario Mortgage With Overseas Salary (Full Guide)

Get pre-approved for an Ontario mortgage using foreign income through lenders who actually accept overseas pay stubs and unconventional documentation.