Many newcomers to Canada have come to this country in pursuit of a great dream; a better quality of life, more opportunities for their children and families, employment prospects where hard work can pay off, and maybe even homeownership. But no matter their country of origin, there are challenges to navigating the real estate and mortgage landscape for most newcomers buying a house in Canada for the first time. Property Finance Corp. is committed to guiding newcomers through the complex world of mortgage services with knowledgeable advice, thorough education, and careful consideration to the unique needs of buyers new to Canada.



Property Finance Corp. has extensive experience partnering with newcomers to Canada on their exciting journey towards home ownership. Whether you are ready to buy your first home right now, or you need to prepare yourself to make homeownership possible in the future, we have the skills and the tools to help you make your dream a reality. Here are just some of the obstacles to home buying for newcomers that we can help you understand:


Determining what you can afford is one of the first steps to purchasing your home. Your expenses and budget, the type and size of home you will need, how you will fund your down payment, the frequency of your payments and the interest rate available for you are all factors affecting what you will be able to afford.  

Lack Of Credit History

If you are new to Canada, you may not have a credit history established here. This is one of the major requirements for lenders. We can help you explore your options to provide good credit history to your mortgage provider with a history from your country of origin, a large down payment, securing your loan with personal assets, or taking the time to build a strong credit score in Canada.

Lack Of Employment History

Proof of steady and sustained employment is key when applying for a mortgage. Lenders will often require at least three months of full-time employment when offering a mortgage. You may be able to negotiate with your lender by providing a larger down payment or with a guarantee of employment from your employer. Let Property Finance Corp. help you navigate this concern with your lender.

Extra Taxes Dependent on Status

If you are purchasing your first home in Canada as a non-resident you may be subject to extra taxes and fees. Let Property Finance Corp. guide you with solid advice as you balance the costs of additional levies against waiting until you have received Permanent Resident or Citizenship status.

Understanding Canadian Mortgage Structures

The banking and lending systems in your country of origin may be drastically different from the mortgage structures in Canada. Some European countries offer 100% mortgages. In China, fewer than 20% of homeowners hold mortgages. In Sweden, 50-year mortgage terms are available. And in much of the world mortgage financing is not even available. Educating all of our clients, including newcomers, on the products and services available is what we do best.

Mortgage Answers At Your Fingertips

Your Mortgage App, powered by Property Finance Corp. has the answers to all your mortgage questions. Explore how much you need to borrow, calculate your monthly payments, estimate land transfer tax, compare current rates, access our Stress Test to calculate your maximum loan amount, connect with a broker, and more with this comprehensive mortgage financing tool. And the best thing about the Your Mortgage App? It is completely free!

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Property Finance Corp. has over 22 years of experience helping Canadians, established and new, achieve their dream of home ownership. We have streamlined the process with the industry’s most knowledgeable brokers, cutting-edge technologies, and a commitment to matching every client with the mortgage product that is best suited for their budget, lifestyle, and goals.

When you choose Property Finance Corp. as your partner in home financing, you have chosen a company determined to elevate your mortgage experience. We do the shopping for you to ensure that you get the best available interest rates. With Property Finance Corp. you gain access to our team of skilled and experienced brokers for every step of the process. You will leverage our relationships with over 35 lending partners and you can expand your mortgage competence with our vast library of tools, calculators, and resources. 

Beginning with a pre-qualification, we can help you understand how much you can afford, how to organize your down payment, how to establish a good credit standing, and how to prepare for any additional or unexpected costs. As you travel the road to home ownership we will be your guide, leading you with transparency and great advice.

Celebrating Success

We are committed to helping our clients find the best mortgage solution available and educating them every step of the way. When our clients are able to move closer to their financial goals and can purchase, refinance, or leverage their home’s equity, their success is our success. We’ll let them speak for themselves...

Don’t Let The Rates Fool You

Every mortgage customer focuses on advertised rates as they search for the “best” mortgage available. Good rates are great, but they do not tell the whole story. The length of the mortgage term, amortization, repayment flexibility, and type of interest are just some of the other factors that will determine the best mortgage for you. Property Finance Corp. can connect you with the mortgage products that meet each of your needs and that sets you up for a strong financial future.


Navigating a new landscape can be overwhelming. You have worked hard to make Canada your new home and we want to help you make your dreams of homeownership here a reality. We understand the unique struggles of newcomers as they work towards establishing a strong financial foundation to qualify for mortgage financing. We can help you learn the structures of the Canadian mortgage process and connect you with the lenders offering the most suitable product for your needs and goals. Connect with Property Finance Corp. and access the best rates and resources available. Call us at 1-844-PF1CORP (731-2677). With Property Finance Corp…. you are home!

Mortgage Solutions That Are Just For You

Property Finance Corp. has access to a variety of mortgage products that can be tailored just for you. From first-time buyers to empty nesters looking to downsize and for every single Canadian seeking a mortgage product in between, we have the solution. Access to our network of over 35 of the most reliable lenders means we can help you find a new mortgage, negotiate a mortgage renewal, help secure refinancing,  and unlock the equity in your home.

Newcomer FAQs

The amount of mortgage you will qualify for will depend on several factors including your employment history, your credit score, the amount you have for a down payment, and your assets. Download our custom tool, Your Mortgage App from the App Store or Google Play Store and try the online mortgage calculators. For a more detailed understanding of your options based on your financial picture connect with our brokers.

The mortgage brokers at Property Finance Corp. can help you secure financing and pre-qualify you so you can begin your home search. We can also connect you with a Realtor® from our robust network of industry partners.

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A minimum down payment of 5% is required to purchase a home, subject to certain maximum price restrictions. In addition to the down payment, you must also be able to show that you can cover the applicable closing costs (i.e. legal fees and disbursements, appraisal fees and a survey certificate, where applicable). Regardless of the amount of your down payment, at least 5% of it must be from your own cash resources or a gift from a family member. It cannot be borrowed. 

Download our custom tool, Your Mortgage App from the App Store or Google Play Store and try the online mortgage calculators.

The Right Broker = The Right Mortgage Solution

The Right Broker = The Right Mortgage Solution

Choosing the right mortgage solution is key to setting yourself up to achieve your goals and creating a bright financial future for you and your family. Choosing the right mortgage broker to help you get it is just as important. Property Finance Corp. is a team of dedicated and experienced brokers who can guide you through the often complex world of mortgage products. Leverage our skill, our industry knowledge, and our carefully cultivated lender relationships to find the mortgage solution that is most ideal for you.

Call us at 1-844-PF1CORP (731-2677) today.

Your Guide To A Strong Financial Future

You don’t have to travel the pathways to homeownership, mortgage renewal, refinancing, or accessing the equity in your home alone. Property Finance Corp. is uniquely positioned to guide you with insight and practical advice to ensure that the mortgage product you choose is exactly right for you.

Call us today at 1-844-PF1CORP (731-2677)

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