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.
Last month we opened the front door to our brand new home. We are so thankful for Tracy’s team who helped us through it all. Santiago was our realtor, and helped us sell our old home quickly, as well as look at rentals to bridge the gap. Matt took on our new mortgage and worked around the clock answering all the questions we had. He always took the time to explain everything in full! Whenever we called the office we were always met with the best customer service. We had a wonderful experience, a recommend their team if you are looking for a realtor or a new mortgage!
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Meg Marshall
12 days ago
Tracy and her team are great, they helped us successfully close on time and stress free.
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Cole Wilton
17 days ago
I recently met with Tracy Valko to review my house mortgage as I was about to enter retirement. I left that meeting feeling very at ease and satisfied that my concerns and needs were not only well take care of with a new plan of attack, but also in that emotionally, Tracy left me feeling acknowledged and appreciated for how my income stream was about to change in ways I had never experienced. I would recommend Tracy and her team for any mortgage planning and in fact, any financial planning period.
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Craig Dubecki
1 month 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.