New to Canada
Mortgage
Welcome to Canada — now let's get you into your first Canadian home. Sam Sethi specializes in newcomer mortgages across Ontario, helping new immigrants and permanent residents get approved even without Canadian credit history.
Newcomer Mortgage Programs
Specialized solutions for every newcomer situation in Ontario
Permanent Resident Program
Just landed? Sam helps permanent residents get approved with as little as 5% down, even without Canadian credit history.
International Credit Accepted
No Canadian credit? No problem. Sam works with lenders who accept international credit reports from your home country.
Foreign Income Qualification
Still earning income abroad? Sam has lenders who accept foreign income documentation to help you qualify.
Work Permit Mortgages
On a work permit? Some lenders offer mortgages to temporary residents with valid work permits and stable employment.
No Credit History Solutions
Brand new to Canada with zero credit history? Sam has specialized programs to get you approved and building equity.
Multi-Language Support
Sam serves clients in English, Hindi, Punjabi, and Urdu — making the mortgage process comfortable for newcomers.
How It Works
From consultation to keys — Sam guides you every step of the way
Free Consultation
Call or book online. Sam reviews your immigration status, income, and savings to identify the best newcomer mortgage program.
Document Checklist
Sam provides a clear list of documents needed — immigration papers, foreign credit report, employment letter, bank statements.
Lender Matching
Sam shops 30+ lenders to find the one with the best newcomer program for your specific situation.
Pre-Approval
Get pre-approved in as little as 24 hours so you can shop for your new Canadian home with confidence.
Home Purchase
Sam coordinates with your realtor and lawyer to ensure a smooth closing. Welcome home to Canada!
Newcomers Sam Has Helped
Real stories from new Canadians who now own their homes
“Arrived in Canada 6 months ago. Sam got us approved with our Indian credit history. We own our first Canadian home!”
Harpreet S.
India → Brampton
“No Canadian credit and Sam still found us a great mortgage. The process was smooth and he explained everything clearly.”
Fatima A.
UAE → Mississauga
“Sam accepted our Chinese bank statements and got us approved. Incredible service for newcomers to Canada.”
Chen W.
China → Markham
“Work permit holder and Sam found a lender who approved us. Now building equity in Toronto. Thank you Sam!”
Oluwaseun B.
Nigeria → Toronto
New to Canada Mortgage — FAQ
Welcome to Canada —
Let's Get You Home
Free consultation. No Canadian credit needed. Sam helps newcomers across all of Ontario.