Choice Financial Blog

How to Get a Mortgage When You’re New to Canada (And Where to Start)

Greg Kalanjian

Published on: 12/03/2026

I got a call a while back from a man named Raj. He’d just landed in Toronto from India with a work permit, a job in tech, and a dream of buying a home for his family. But every time he talked to a bank, he hit the same wall: "You don't have a Canadian credit score. Come back in two years."

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