Is "Buying Your First Home as a Newcomer to Canada" really free?

Yes. Buying Your First Home as a Newcomer to Canada is a free 26-page guide. Enter your email and we'll send the PDF right away — no cost and no obligation.

What does "Buying Your First Home as a Newcomer to Canada" cover?

It runs 26 pages across 8 sections — including Newcomer eligibility: PR, work permit, refugee, student; All 5 major Newcomer programs — side-by-side; Substituting international credit (Equifax International), and more.

Is this guide specific to Canada?

Yes. It's written by the FSRA-licensed team at Mortgage Squad Advisors (Brokerage #13737) for the Canadian market, with rules, programs, and rate context current for 2026.

Do I have to be a Mortgage Squad Advisors client to get it?

No. The guide is free to anyone — whether you're ready to apply or just researching your options.

How do I get advice for my own situation?

Ask Maya, our AI advisor, free 24/7 in 50+ languages, or book a no-obligation call with a senior broker. The guide explains the concepts; we tailor them to your file.

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Buying Your First Home as a Newcomer to Canada

26 pages · PDF · Free, no signup

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Free guide

Buying Your First Home as a Newcomer to Canada

PRs, work-permit holders, and international credit

Day 1 in Canada to keys in hand. Covers all 5 major Newcomer programs (RBC, Scotia, BMO, TD, NBC), how to substitute international credit history, what work-permit holders can and can't qualify for, and which lenders accept down-payment funds from abroad.

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Inside the guide

8 sections

1Newcomer eligibility: PR, work permit, refugee, student
2All 5 major Newcomer programs — side-by-side
3Substituting international credit (Equifax International)
4Alternative credit: rent, utilities, cell, insurance
5Down payment from abroad: documentation rules
6Co-signer scenarios — when you need one, when you don't
7FHSA + RRSP HBP eligibility for new tax residents
8Languages we publish in — and how Maya helps

Frequently asked questions

Is "Buying Your First Home as a Newcomer to Canada" really free?: Yes. Buying Your First Home as a Newcomer to Canada is a free 26-page guide. Enter your email and we'll send the PDF right away — no cost and no obligation.
What does "Buying Your First Home as a Newcomer to Canada" cover?: It runs 26 pages across 8 sections — including Newcomer eligibility: PR, work permit, refugee, student; All 5 major Newcomer programs — side-by-side; Substituting international credit (Equifax International), and more.
Is this guide specific to Canada?: Yes. It's written by the FSRA-licensed team at Mortgage Squad Advisors (Brokerage #13737) for the Canadian market, with rules, programs, and rate context current for 2026.
Do I have to be a Mortgage Squad Advisors client to get it?: No. The guide is free to anyone — whether you're ready to apply or just researching your options.
How do I get advice for my own situation?: Ask Maya, our AI advisor, free 24/7 in 50+ languages, or book a no-obligation call with a senior broker. The guide explains the concepts; we tailor them to your file.

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