New to Canada2023-06-21T13:17:56-08:00
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Welcome to Canada – Your Beautiful New Home

Are you looking to settle down and find a place of your own?

Huber Mortgage is here to help you navigate the mortgage process and find you the perfect home!

Contact Me Now
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Let Huber Mortgage to help you take the first step towards homeownership as a newcomer to Canada.

If you dream of owning a home in this wonderful country, Huber Mortgage is here to assist you.

I’ll assess your requirements, explore your options, and provide you with the best qualifying rate.

When you’re ready, I can complete your mortgage application over the phone in less than 20 minutes, easy!

Rest assured, we handle all the negotiations with banks and lenders, providing you with unbiased advice to help you save more on your first mortgage in Canada.

****As of January 1, 2023, there are new restrictions on foreign buyers, but don’t worry, we can guide you through all the details.****

Even if you’re new to Canada, you have options. All three mortgage default insurance companies offer their own New to Canada Program.

  • CMHC (Canada Mortgage and Housing Corporation)

  • Sagen

  • Canada Guaranty

These 3 organizations make insured-mortgage financing available to borrowers with both permanent and non-permanent residence status (subject to federal eligibility requirements).

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Let’s explore the features of the Newcomer mortgage programs

  • Permanent residents have access to all CMHC, Sagen, and Canada Guaranty mortgage insurance products

  • Permanent residents with limited Canadian credit history or no access to foreign credit bureaus, alternative sources of payment history may be considered for Loan-to-Value (LTV) ratios up to 95%

  • Non-permanent residents, on the other hand, are subject to federal eligibility requirements and may have access to insured financing of up to 90% LTV ratio for the purchase of a 1-unit, owner-occupied residential property

***There are no additional fees or premiums based on residency status; standard product-specific premiums apply.***

Let’s talk about the benefits of these programs.

Newcomers with permanent residence status can purchase a home with as little as a 5% down payment, granting access to homeownership.

Additionally, these programs provide competitive interest rates through insured financing, giving you access to various banks across Canada.

Availability is another advantage, as our services are available nationwide with no set maximum loan amount.

Start The New To Canada Purchase Process

Super-Fast Qualification Times

If you’re looking to purchase, it’s crazy-easy to start the process with us.

You can connect via email, text or give me a call (250-212-7954), or simply fill out your easy online application form, and I’ll get back to you shockingly fast.

At Huber Mortgage, I offer lower rates, so you can save money on your purchase and find the right mortgage fit for your situation.

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