New to Canada Mortgages
Your Canadian Dream Starts Here
Moving to Canada is an exciting new chapter. Lez Gomez specializes in helping newcomers, immigrants, permanent residents, and work permit holders secure competitive mortgage financing across Ontario. Whether you landed last month or a few years ago, we have programs designed specifically for you in Toronto, Mississauga, Brampton, Hamilton, Ottawa, and every Ontario community.
Benefits of Working With Us
Lez Gomez provides expert mortgage solutions tailored to your unique situation across Ontario.
Specialized Newcomer Programs
Lez Gomez works with A-lenders, B-lenders, and credit unions across Ontario that offer dedicated newcomer mortgage programs. These programs recognize international credit history, overseas employment, and foreign income to help you qualify.
Flexible Documentation
No Canadian credit history? No problem. Lez Gomez helps newcomers in Toronto, Mississauga, Brampton, and across Ontario qualify using work permits, permanent resident cards, international credit reports, employment letters, and foreign bank statements.
Purchase Up to $1.5M+
Many newcomer programs allow purchases well above $1 million with as little as 5-10% down. Lez Gomez matches you with the right Ontario lender to maximize your purchasing power based on your unique newcomer profile.
Competitive Rates Available
Newcomers don't have to pay higher rates. Lez Gomez connects new Canadians across Ontario with A-lender rates and insured mortgage programs that offer the same competitive pricing as established Canadian borrowers.
All Immigration Statuses
Permanent residents, work permit holders, convention refugees, and those with confirmed permanent residency. Lez Gomez has specific lender programs for every immigration status across Ontario.
Multilingual Support
We understand the challenges of navigating a new country's financial system. Lez Gomez provides patient, clear guidance to help newcomers in Ontario feel confident and supported throughout the entire mortgage process.
Smart Mortgage Planning for Newcomers
Watch Lez Gomez share expert strategies for newcomers navigating the Canadian mortgage landscape. Learn about special newcomer programs, down payment requirements, credit building tips, and how to get mortgage-ready as a new Canadian resident.
Your Path to Approval
Lez Gomez makes the mortgage process seamless from application to closing.
Newcomer Assessment
Call Lez Gomez at 416-723-1313. We review your immigration status, employment, down payment, and documentation to identify the best newcomer mortgage program for your Ontario home purchase.
Document Preparation
Lez Gomez guides you on exactly which documents to gather: PR card, work permit, employment letter, foreign credit references, bank statements, and proof of down payment. We make the process simple and clear.
Lender Matching
We submit your application to Ontario lenders with the best newcomer programs for your situation. Lez Gomez knows which lenders are most newcomer-friendly and negotiates the best possible rate on your behalf.
Approval & Home Ownership
Receive your mortgage approval and close on your first Canadian home. Lez Gomez ensures newcomer clients get a seamless, stress-free experience from application to keys in hand.
Do You Qualify?
Lez Gomez works with 50+ lenders across Ontario to find solutions even when banks say no. Here are the typical requirements:
Permanent Resident (PR) card or Confirmation of Permanent Residence (COPR)
Valid work permit with minimum 90 days in Canada (some lenders)
Full-time employment in Canada or confirmed job offer letter
Minimum 5% down payment from own resources (gifted down payment also accepted)
International credit history or reference letters from foreign banks
No Canadian credit history required for most newcomer programs
Arrived in Canada within the last 5 years (for newcomer-specific programs)
Both purchase and refinance transactions available
Ready to Get Started?
Speak with Lez Gomez today for a free consultation and personalized mortgage solution.
Common Questions
Can I get a mortgage in Canada without Canadian credit history?
How soon after arriving in Canada can I buy a home?
What down payment do newcomers need in Ontario?
Can I use foreign income to qualify for a Canadian mortgage?
Does Lez Gomez help newcomers across all of Ontario?
Lez Gomez: Ontario's New to Canada Mortgage Expert
Lez Gomez has helped hundreds of newcomers to Canada achieve their dream of home ownership across Ontario. Canada welcomes over 400,000 new permanent residents each year, and many arrive with strong careers, solid savings, and a desire to plant roots. The challenge is often navigating Canada's mortgage system without an established credit history. Lez Gomez bridges this gap with expert knowledge of newcomer mortgage programs offered by A-lenders, B-lenders, credit unions, and alternative lenders across Ontario. Whether you're a skilled worker, family sponsorship immigrant, provincial nominee, or international student transitioning to permanent residency, Lez Gomez has the program to get you approved.
Ontario's newcomer communities are thriving in cities like Toronto, Mississauga, Brampton, Vaughan, Markham, Richmond Hill, Scarborough, North York, Ajax, Pickering, Whitby, Oshawa, Hamilton, Kitchener, Waterloo, Cambridge, Guelph, London, Ottawa, Barrie, Kingston, and communities across the province. Lez Gomez is proud to support newcomers with mortgage solutions that recognize their international experience and financial strength. Whether you arrived from India, the Philippines, China, Nigeria, Pakistan, Iran, South Korea, or anywhere else in the world, Lez Gomez has the expertise and lender relationships to help you buy your first Canadian home. Call 416-723-1313 for your free newcomer mortgage consultation.
Lez Gomez Serves All of Ontario
As a licensed Ontario mortgage agent, Lez Gomez provides new to canada mortgages services across every city and town in the province:
Greater Toronto Area
Hamilton, Niagara & Southwestern Ontario
Eastern Ontario
Central & Northern Ontario
All Other Ontario Communities
Other Mortgage Solutions by Lez Gomez
Ready to Secure Your Mortgage?
Lez Gomez is ready to help you find the perfect mortgage solution. Get a free consultation today.