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Paragon Pragmatic Lending
1915 Foxtail Terrace, Kelowna BC V1P 1T9
BCFSA Brokerage License X301089
(778) 557-2144
[email protected]

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Information is general and not legal, tax, or investment advice. Strategies like the Smith Manoeuvre (Maneuver) and cash or rental damming involve risk. Consult a qualified tax professional.
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New to Canada mortgages

Programs for newcomers with international income and limited Canadian credit history.

New to Canada does not mean new to homeownership

We work with lenders that recognize international credit, employment contracts, and newcomer savings patterns.

Your dashboard helps you track immigration documents, employment letters, and banking history.

Typical documentation

  • Work permit, PR, or visa documentation.
  • Employment contract and pay statements.
  • International credit references when available.

Helpful tools

Run affordability and cash-to-close scenarios early.

  • Affordability
  • Cash to close
  • Rates explorer

Frequently asked questions

Can I qualify without Canadian credit?

Some lenders accept international credit or alternative documentation.

Do I need a large down payment?

Programs vary. We will outline realistic down payment requirements early.

How long does it take?

Timelines are similar to standard purchases once documents are complete.

Next step

Ready when you are

Hold a rate, book time with the Broker team, or jump straight into the secure dashboard.

Compare ratesBook 15-min consultStart application

Information is general and not legal, tax, or investment advice. Strategies like the Smith Manoeuvre (Maneuver) or cash/rental damming involve risk. Consult a qualified professional before proceeding.

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