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.
We just renewed our mortgage with Samantha. She was excellent and made the process very easy. She responded to my questions often within an hour of me emailing and got us a great deal. We felt very taken care of.
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Stacey L
11 days ago
I had the pleasure of using Valko Fianancial for three homes now. I cannot reiterate how smooth and easy the whole process was from start to finish. I worked with Matt S this time around. And he was very calm, easy to chat with and got all the stuff in place making it a super stress free closing. I highly recommend them as they tend to find the best rates at the time of purchase and really talk to you about it. Answer all your questions respectively. 5 ⭐️!
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Natalie Nagy
13 days ago
We absolutely love our new home and we couldn’t have done it without Cindy White! She went over and beyond to make sure we felt comfortable with our purchase. Cindy was transparent and awesome to work with. This is our second time working with Cindy, highly recommended.
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Eston Simon
21 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.