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Welcome to Canada

As a new immigrant to Canada, buying a home and settling in is probably one of your top priorities. Whether you are a professional, a tradesperson or self-employed , The Laurin Team can help you find the right mortgage options for your new home in the Ottawa Region or anywhere in Canada.

Lending Options

New immigrants are referred to as Canadian Permanent Residents or "landed immigrants". For this group of home buyers, there are numerous lending options available. For each lender, there will be different policies and rules, The Laurin Team can guide you through and able help you negotiate the best terms for your mortgage.

Quick Facts on New Immigrants Lending

  • Up to 95% LTV for qualified borrowers
  • No minimum income requirements
  • Available up to 36 months after arrival
  • Standard Premiums apply above 80% financing

Establishing Credit History

Establishing good credit is important. Credit ratings and bank reference letters from your country of origin will be beneficial. Applying for a Canadian credit card will also help you start establishing Canadian credit history. Most lenders require a minimum of 12 months of established Canadian credit history.

Contact The Laurin Team if you have question about Mortgage for New Immigrants or applying one of the Dominion Lending Centre VISA offerings to begin establishing a Canadian credit.


Terms CMHC Conventional
Variable Rate Prime -0.75% Prime -0.70% (35% equity)
6 Months 3.14% 4.55%
1 Year 2.44% 2.49%
2 Year 2.14% 2.49%
3 Year 2.34% 2.59%
4 Year 2.69% 2.69%
5 Year
(Quick 60 days)
35% Down = 2.69%

5 Year Rental
N/A 3.14%
5 Year 120 dasy 2.64% 2.99%
Benchmark 4.84% 4.84%

*Rates subject to change without notice. Certain conditions may apply. OAC, E & OE. Subject to 3% penalty or IRD. Rates published as of July 13, 2017.

Understand Our Rates


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