For Newcomers
Welcome to Canada. Let's get the first year right.
The biggest mistake newcomers make is rushing into a home purchase. The second biggest is overpaying for the wrong rental in the wrong neighbourhood. Both are avoidable — and that's where I come in.
Your first 12 months in Canada
- Month 0–3: Land, settle, do nothing dramatic. Open a chequing account, get a credit card, get a SIN, and rent a transitional unit.
- Month 3–6: Establish credit history. Open a TFSA and FHSA (First Home Savings Account). Choose your long-term city.
- Month 6–12: Mortgage pre-approval. Newcomer mortgage programs typically allow up to 95% financing without Canadian credit.
Read the full walk-through in the newcomer roadmap.
Renting without Canadian credit
- Proof of funds (often 6–12 months of rent in your account)
- Employment offer letter or proof of remote income
- References from your home country (translated where needed)
- A guarantor (sometimes required)
I prepare your full tenant package — translated, formatted, and submitted with a professional cover letter. We pick buildings where this approach actually works.
Newcomer mortgage programs
All major Canadian banks offer newcomer mortgage programs with:
- Up to 95% financing for properties under $500,000
- Documented down payment from your home country
- No Canadian credit required for many programs
- Up to 5 years of "newcomer status" eligibility
Where most of my newcomer clients land
Mississauga and Etobicoke — established immigrant communities, transit, schools, and meaningfully better price-per-sqft than central Toronto. See the Mississauga and Etobicoke guides.
Languages
I serve clients in English and Arabic, with a deep understanding of newcomer communities from the Middle East, North Africa, and South Asia.
Next step
Ready to talk? Let's start with a free consultation.
Tell me about your goals — buying, selling, leasing, or relocating. I'll come back with a clear plan and the next three steps.