Moving to Canada is thrilling and new opportunity

Have permission to work in Canada and a valid work permit (call me for other details as they may apply)
Are a permanent resident
Are a refugee or temporary worker (other details may apply)

If you have permanent residence (subject to federal eligibility), you can purchase a home with as little as 5% down payment (home price restrictions apply).
For those with non-permanent residence status, you may need to provide a minimum of 10% down payment.
With less than 20% down payment, you'll require mortgage default insurance

Newcomers with permanent resident status have access to all CMHC, Sagen and Canada Guaranty mortgage insurance products (subject to product-specific eligibility requirements).
For permanent residents, where there is limited Canadian credit history and where foreign credit bureaus are not available, alternative sources of payment history m

Newcomers with permanent resident status have access to all CMHC, Sagen and Canada Guaranty mortgage insurance products (subject to product-specific eligibility requirements).
For permanent residents, where there is limited Canadian credit history and where foreign credit bureaus are not available, alternative sources of payment history may be considered for Loan-to-Value (LTV) ratios up to 95%.
Newcomers with non-permanent resident status are subject to federal eligibility requirements and may have access to insured financing of up to 90% LTV ratio for the purchase of a 1-unit, owner-occupied residential property.
No additional fees or premiums as a result of residency status — standard product-specific premiums apply.

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