Tap your situation and we ask four questions. No income, no house price, no credit history.
Spanish-speaking mortgage broker · for Montreal's Latin American community
Buying a home in Quebec on a work permit: yes, with conditions.
Several lenders accept work-permit holders, and the federal law prohibiting purchases by non-Canadians (in force until January 1, 2027) has an exemption for permits with at least 183 days of validity left. What decides the outcome is the documentation: income in Canada, source of the down payment and status.
A broker looks at your income, your status in Canada and your down payment, and tells you plainly what is possible today and what to prepare.
Documents and pre-approval
With your documents, the broker obtains a pre-approval that sets your budget and holds a rate for a limited period.
Comparing lenders
A broker presents your file to several lenders and compares rates, conditions and penalties, not only the interest.
Approval and notary
Once the offer to purchase is accepted, final approval is handled and the signing takes place before a notary.
How this site works
Buying a first home, renewing your loan or thinking about refinancing? Quebec's rules are set out here in plain language, each figure with its public source, and there is one door: asking a mortgage broker to call you about your file.
The site does not lend money, does not display rates and approves nothing. What it does is take your request and pass it to a mortgage broker, who is the one who can compare lenders and present your file.
Who runs the site is named in the footer. When a broker calls you, you can look their name up in the Autorité des marchés financiers public register before sending anything: it is the habit worth having with anyone who asks you for your numbers.
Also in this edition
Frequently asked questions
Can I buy a home in Canada on a work permit?
Yes, with conditions. Several lenders accept work-permit holders, and the federal law prohibiting purchases by non-Canadians (in force until January 1, 2027) has an exemption for permits with at least 183 days of validity left. Your case must be checked before any offer.
How much down payment do I need?
The Canadian minimum is 5% on the first $500,000 and 10% on the portion between $500,000 and $1,500,000. Under 20% the loan is insured (CMHC or a private insurer) and the premium is added to the loan.
What is the FHSA?
A registered account for a first home: tax-deductible contributions and a tax-free withdrawal, up to $8,000 per year and $40,000 lifetime. It stacks with the HBP (up to $60,000 from your RRSP).
Does a broker cost more than the bank?
A broker compares several institutions and submits your file; a bank only offers its own products. Every loan's conditions, costs included, are explained to you in writing before you sign.
Does my credit from home count in Canada?
It does not transfer. Your Canadian history starts on arrival, but several lenders have newcomer programs that accept a short history or bank references from your home country.
Request a call
Request a call about your file.
A mortgage broker reviews your situation and tells you what is possible, in Spanish, French or English.