New to Canada? You can buy a home here.
I specialize in helping newcomers, work permit holders, and temporary residents navigate Canadian mortgages. Bilingual service in English and Mandarin.
我专门帮助新移民、工签持有者和临时居民办理加拿大贷款。提供英语和普通话双语服务。
扫码添加微信，用中文咨询贷款问题
What's your situation?
您的身份状况是什么？
Work Permit
Eligibility Requirements
- ✓Valid work permit with 12+ months remaining
- ✓Canadian employment & income verification
- ✓As low as 5% down payment with CMHC insurance
- ✓Canadian credit history preferred (but alternatives exist)
资格要求
- ✓工签有效期12个月以上
- ✓加拿大工作及收入证明
- ✓CMHC保险最低首付5%
- ✓优先加拿大信用记录（但有替代方案）
Most major lenders offer work permit programs. I work with lenders who are experienced with these files.
Foreign Buyer Ban: What You Need to Know
The federal government's ban on non-Canadian buyers has exemptions. Understanding these is critical to your home purchase.
联邦政府的外国买家禁令有豁免条款。了解这些条款对您的购房至关重要。
Work Permit Holders
Exempt if you have a valid work permit or authorization
持有有效工签或工作许可者可豁免
Permanent Residents
Fully exempt — PR holders are not considered non-Canadians
完全豁免——PR持有者不被视为非加拿大人
Buying with Canadian Spouse
Exempt when purchasing with a Canadian citizen or PR spouse/partner
与加拿大公民或PR配偶/伴侣共同购买者可豁免
Non-Residents / Visitors
Currently restricted from purchasing residential property in Canada
目前限制购买加拿大住宅物业
Document Checklist
文件清单
Immigration
- Valid passport (all pages)
- Work permit / Study permit / PR card / COPR
- SIN number
- 有效护照（所有页）
- 工签/学签/PR卡/COPR
- SIN号码
Income & Employment
- Employment letter (current, on letterhead)
- 2 recent pay stubs
- T4 / T1 General (if available)
- Notice of Assessment (if available)
- 雇主信（最新，公司信纸）
- 最近2期工资单
- T4/T1报税单（如有）
- 评税通知书（如有）
Financial
- 90-day bank statements (Canadian account)
- Down payment proof of funds
- Gift letter (if applicable)
- Foreign bank statements (translated, if using foreign income)
- 90天加拿大银行流水
- 首付资金证明
- 赠与信（如适用）
- 海外银行流水（需翻译，如使用海外收入）
Property
- Purchase agreement / MLS listing
- Property tax assessment
- Strata documents (if condo/townhouse)
- 购买合同/MLS房源信息
- 房产税评估
- 物业管理文件（公寓/联排）
下载完整文件清单（PDF）
Confused about your eligibility? Let's chat.
Every newcomer's situation is unique. Send me a message on WeChat and I'll give you a quick, honest assessment of your options—in Mandarin if you prefer.
Questions from Newcomers
新移民常见问题
Ready to explore your options?
准备好了解您的选择了吗？
Every newcomer's path is different. Get a free, no-obligation assessment of your mortgage eligibility—in English or Mandarin.