The Greater Toronto Area is Canada's largest and most varied mortgage market, spanning downtown condos, 905-belt townhomes, and detached homes from Oshawa to Milton. Borrowers here range from first-time condo buyers to growing families upgrading within the same commuting corridor.
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Choosing a new to canada mortgage agent in Toronto & GTA
Look for an agent who has actually closed deals for newcomers and knows which lenders accept foreign credit history, work permits, or permanent residency applications in progress — not just a general broker who lists it as a specialty.
New to Canada mortgage agents in Toronto & GTA — common questions
Yes — several lenders offer newcomer programs that accept alternative documentation like a foreign credit report, employment letter, or bank statements instead of a Canadian credit score.
No. Many newcomer programs accept work permits or pending PR applications, though the down payment requirement is often higher (sometimes 35%+) without PR status.
It varies by lender and status, but newcomers without an established Canadian credit history often need 10–35% down, compared to as little as 5% for established residents.