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.
The team at Valko Financial is truly incredible. They have expert knowledge in this field, keep in regular contact to support you as you navigate this process, and go above and beyond with kind customer service. I feel that they built trust immediately through their expertise and genuine care. I have nothing but incredible things to say about Tracy Valko. Buying a home for the first time is a stressful experience, and she took me right under her wing to help mitigate my stress and help guide me through the mortgage process, all while keeping such a positive and uplifting attitude. She is a remarkable human being with such a commitment to her role/company. She helped me find a great rate with a solid mortgage company. Also, she was professional and efficient with the paperwork side of things. I am so grateful to have had the support and guidance from this team! I could tell that they genuinely cared about me and wanted the best for me as a first time home buyer. Working with them is a MUST! Truly, you will not regret it. Thank you thank you thank you, from the bottom of my heart. Much appreciation and warmest regards, Justine
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Justine Schlegel
11 days ago
Fantastic experience working with Valko Financial. Matthew was very helpful and kept on top of requirements with both myself and my lawyer. Thank you!
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Kelly Zinger
16 days ago
Honesty, Integrity, Commitment & Professionalism! Cindy White checks off each and every box. We truly appreciate and have so much respect not just for your knowledge but also for your guidance. You have always through the years without fail kept our best interest front line and centre. If you were unsure of an answer you found it without hesitation, building a trustworthy relationship one step outta time. My recommendations will always be with you to meet all financial needs! Warmest regards. Nancy & Clarence
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CNC
18 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.