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.
Tahmina
4 days ago
A heartfelt thank you to Tracy Valko & the Valko Financial Team There are seasons when life shifts beneath you — and in one of those seasons, Tracy and her team became steady ground. From the first conversation, they saw me as a whole person, not just a file. Their wisdom, professionalism, and calm communication carried us through every challenge with clarity and care. Tracy’s expert guidance, paired with her incredible referral network, made selling our home — with renovations, staging, packing, and moving — an experience filled with trust and ease. Every person she connected us with was both professional and deeply kind. What could have been overwhelming became organized, supported, and even beautiful. I’m endlessly grateful for how they lightened the load and helped turn a life-changing transition into something I could move through with peace after an incredibly difficult year. I would work with Tracy, her team, and her referral network again in a heartbeat — not just for their expertise, but for the heart they bring to everything they do.
Read more
Maddi Kolberg
4 days ago
We had an excellent experience working with Tracy Valkos team, specifically Cindy, for our first mortgage! Their team was incredibly knowledgeable and patient, taking the time to answer every single question we had along the way. As first-time buyers, we really appreciated their expertise and guidance through the entire process — it made everything feel smooth and stress-free. We’ll absolutely reach out to them again in the future and highly recommend this team to anyone looking mortgage assistance.
Read more
Delaney Kasfah
5 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.