New to Canada? Your first home is closer than you think.

I help newcomers and their families buy in Brampton and across Peel. We go step by step, in the language you’re most comfortable with.

Book a call Send your documents securely

English
ਪੰਜਾਬੀ
हिन्दी
اردو

A semi-detached brick home with a front garden

Arjun Mehta Mortgage Agent Level 2 Licence M00000456

Your path to a Canadian mortgage

Step by step, from your first month here to the keys. Open any stop to see what lenders usually ask for.

Arjun Mehta explaining a plan with a notebook at a café table

1
Your first months here

Open a Canadian bank account and keep your pay going into it. It becomes the record lenders read.
What lenders usually ask for
- Passport, and your permanent resident card or work permit
- Your Social Insurance Number
- Canadian bank statements
2
Building a credit history

A credit card or small line of credit, paid in full every month. Some lenders have programs for people with little Canadian credit.
What lenders usually ask for
- Your Canadian credit report
- Proof of rent and phone bills paid on time
- A credit report from your previous country, where one exists
3
Steady work

Many lenders like to see you past probation in a full-time job. Some newcomer programs ask for less; I’ll tell you which fit.
What lenders usually ask for
- A letter from your employer
- Your two most recent pay stubs
- Your work permit dates, if you have one
4
Your down payment

At least 5% of the price, and more on higher-priced homes. Money from abroad is fine; it just needs a clear paper trail.
What lenders usually ask for
- Ninety days of statements for the account holding it
- Proof of any transfer from abroad
- A signed gift letter, if family is helping
5
Approval and your keys

With a pre-approval in hand you can make an offer with confidence. I stay with you through conditions and closing.
What lenders usually ask for
- The signed agreement of purchase and sale
- The property listing
- Proof of home insurance before closing

Documents to gather

Start a folder now. You upload them once, through a secure page, when we’re ready.

Who you are
- Passport
- Permanent resident card or work permit
- Social Insurance Number
What you earn
- Employment letter
- Two recent pay stubs
- Last year’s notice of assessment, if you filed
Your down payment
- Ninety days of bank statements
- Proof of transfers from abroad
- Gift letter, if family helps

Send your documents securely

Talk it through in your language

A green park in Brampton on a summer evening

A warm family living room with plants and cushions

We arrived two years ago and thought we had to wait. Arjun explained everything in Punjabi for my parents and we moved in last spring.

Sample clients H. and S. First home in Brampton. Shared with consent.

Questions clients ask

Can I get a mortgage without a Canadian credit history?

Often, yes. Some lenders have programs for newcomers that look at your rent, bills and international credit instead. A larger down payment can help too.

Do I need to be a permanent resident?

No. Permanent residents and many people on work permits can qualify. The rules depend on the lender and your permit, so we check yours first.

Is the money I bring from home accepted?

Yes, as long as we can show where it came from. Keep statements from both accounts and the transfer records.

What do you charge?

On most residential mortgages the lender pays the brokerage, so there’s no fee to you. If a file ever needs a fee, you’ll see it in writing before you agree to anything.

Calculator

What would the payment be?

Indicative, not a lender decision or a pre-approval. Fixed rate, compounded semi-annually; mortgage insurance and taxes not included.

Purchase price

Down payment

Interest rate (%)

Amortization (years)

An example rate. Enter the one you’ve been quoted.

Estimated monthly payment

$3,333

Mortgage amount $585,000

Your documents, sent securely in minutes

Upload everything from your phone or computer. It goes straight to Arjun’s secure document storage in Canada, with a checklist made for your situation.