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.
I had a really good experience with Valko Financial Santiago and his team during my mortgage process. They were super helpful from start to finish, always quick to respond and happy to explain things in a simple way so I actually understood what was going on. It made a process that can be pretty stressful feel a lot easier. What I liked most was how supportive and patient they were. No pressure, just solid advice and guidance the whole way through. Overall, I’m really happy I worked with them and would definitely recommend them if you’re looking for help with a mortgage.
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German Martinez
4 days ago
I recently used Valko Financial's services to renew my mortgage. I had an extremely positive experience overall. I was able to obtain a much better rate than the one offered by my current lender. The representatives I worked with were very thorough and answered all of my questions throughout this process. I consistently felt that they had my best interest at heart. I highly recommend their services!
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Stefana Karadjamirli
14 days ago
Our mortgage term was expiring and our current lender was increasing our current rate. We contacted Tracy once again to help us get the best rate/lender. We were provided with improved interest rates and our current lender was not willing to match even if it meant losing our business!! Tracy's team was willing to answer our questions and clarify details about our new offering even later in the night. This service was greatly appreciated and showed we were a valuable return client.
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Randy Bordon
8 years 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.