Mortgage for newcomers to Canada
Settling in and immigrating to Canada is an important step, and becoming a homeowner can be part of your goals. At JA Mortgages, we support newcomers with all their mortgage needs in Canada, helping you obtain a home loan for immigrants even if your credit history is limited. With our expertise, we open the door to home financing and guide you all the way to buying your home.
Are you a newcomer? Here's how to get a loan
01
Calculate your borrowing capacity
Before you apply, we analyze your income, debts, and goals to determine your borrowing capacity. This step is essential for identifying the mortgage terms in Canada that you may be eligible for.
02
Prepare the necessary documents
A housing loan for refugees or a mortgage program for immigrants often requires specific supporting documents such as proof of employment, bank statements, a work permit, or valid immigration status. We help you gather the required documents to make it easier to get your loan approved.
03
Build your credit history
To get a loan in Canada, it is important to build your credit as soon as you arrive by using financial products such as a credit card, a cell phone plan, or a small personal loan, and above all by making your payments on time. We advise you on the best strategies to build a strong credit history and reassure banks when it comes to immigrants.
Solutions for every situation
Permanent and temporary residents
Whether you are a permanent or temporary resident, we guide you through the steps of getting a mortgage in Canada to find the best option based on your status.
Skilled workers and students
Skilled workers and international students can also access homeownership through mortgage programs for immigrants tailored to their profile, whether through recognition of their income, their employment prospects, or their current studies.
Refugees and family reunification
We offer mortgage support for immigrants, with dedicated solutions for refugees and families settling together to give them the stability of a home and the peace of mind they need to build their future in Canada.
WHY JA MORTGAGES
Why choose JA Mortgages?
Expertise with Canadian institutions
As a mortgage broker for immigrants, we work with a broad network of banks for immigrants to find the most advantageous mortgage for newcomers.
Human, tailored advice for your journey
We support you with care, whether you are a resident or non-resident, to help you find the mortgage solution that respects your journey and supports your future plans.
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