Assumes permanent resident status. A foreign national on a work or study permit owes $168,750 of Non-Resident Speculation Tax on this purchase as well, in cash at closing — see the section on it below.
The payment above uses a 30-year amortization. An insured file only gets one as a first-time buyer or on new construction, and property owned abroad in the last four calendar years ends that — at 25 years the same mortgage is $3,528/mo.
Illustrative only. Actual rate, qualifying amount, and premium depend on your file. Get an exact number with a senior advisor or Maya AI.
New-to-Canada mortgages in Orillia — the local picture
Orillia's average price sits around $675,000 (Ontario, population ~35k). Newcomer files are ordinary files in Orillia, from West Ridge to North Ward, and they fail for an ordinary reason: the page you read before this one priced a purchase for a permanent resident and you may not be one. What changes the arithmetic is not your credit history but your status: a permanent resident buying at Orillia's $675,000 average price needs $42,500 down and about $57,824 in total cash at closing, while a foreign national on a work permit buying the identical house owes Ontario's 25% Non-Resident Speculation Tax — $168,750 — on top of it.
Written by the Mortgage Squad Advisors Editorial Team · Reviewed by Surrayya Afzal, Principal Broker, FSRA #13737
Same licensed-brokerage standard. Same 100+ lender network. Same dedicated advisor model — applied to Simcoe's specific lender appetites and property types.
Every Big-5 newcomer program plus National Bank's — RBC, Scotiabank StartRight, BMO NewStart, TD, CIBC, NBC
International credit reports accepted (Equifax + TransUnion International)
Newcomer FHSA + RRSP HBP planning from your first year as a tax resident
Tiered legal minimum down on insured files — permanent residents and work permits alike (CMHC, Sagen, Canada Guaranty)
International employer letter accepted at certain lenders
Foreign-owned property, foreign debt and foreign rental income assessed before pre-approval, not after
Down payment from abroad — we handle FINTRAC source-of-funds
Alternative credit acceptable: rent, utilities, telecom, insurance
Non-resident speculation taxes mapped before you offer — Ontario's 25%, BC's 20% in five regional districts, Nova Scotia's 10% — with the rebate clocks that apply to each
Your status decides the file: three paths on the same Orillia home
Your immigration status, not your credit history, is what changes the arithmetic. This is the whole difference on Orillia’s $675,000 average.
Your status
Minimum down payment
Non-Resident Speculation Tax
Federal purchase ban
Insured amortization
Permanent resident
$42,500 (6.3%) — the federal tiered minimum
None. A permanent resident is not a foreign national.
Exempt outright — the Act does not apply to you.
25 years insured, 30 only as a first-time buyer or on new construction
Work permit (foreign national)
$42,500 at the insurer minimum — lenders commonly overlay more
$168,750 at closing — rebatable in full if you become a permanent resident within 4 years of registration
Exempt with 183+ days left on the permit and no more than one property bought
25 years insured, on the same two exceptions
Study permit (foreign national)
Capped by a $500,000 purchase price the local market does not reach
Applies in full, with no relief route available on this path
Exempt only with 5 years of filed returns, 244 days in Canada in each of them, and a price at or under $500,000
25 years insured
Down payments are the federal tiered rule applied to this market’s own average; the Non-Resident Speculation Tax column is Ontario’s statutory rate on the same figure. Individual lenders set higher down-payment requirements than the insurers do on non-permanent-resident files — that overlay is what we shop.
What actually changes when your status changes
Three legally different buyers get treated as one "newcomer" on almost every page you will read, and on the same Orillia house the difference between them is six figures. A permanent resident is not a foreign national: no NRST, no federal purchase restriction, and full access to every insured programme at the ordinary tiered minimum down payment — $42,500 on Orillia's $675,000 average price. A foreign national holding a work permit can be insured to the same 95% loan-to-value by all three of Canada's default insurers, so the legal minimum down payment is identical — but the purchase attracts non-resident purchase tax at 25%, Ontario's Non-Resident Speculation Tax, which is $168,750 here, and individual lenders layer their own higher down-payment requirements on top of the insurer's rule. That overlay is the part a broker can shop; the tax is not. A foreign national on a study permit is in the hardest position of the three, and in Orillia it is the federal $500,000 price cap rather than the mortgage that ends most of those conversations — it sits well below the $675,000 average price here.
What the Non-Resident Speculation Tax costs on an Orillia purchase
Ontario's Non-Resident Speculation Tax is 25% of the purchase price, charged on residential property bought by a foreign national, a foreign corporation or a taxable trustee. The current rate has applied since 25 October 2022. On Orillia's $675,000 average price that is $168,750, payable in cash on closing day, on top of your down payment and on top of the $9,975 of ordinary land transfer and registration cost the same purchase attracts. It is not financeable and no lender will advance against it — a mortgage is secured by the property, and this is a tax on acquiring it. One rebate remains: if you become a permanent resident within 4 years of the date the conveyance is registered, you can reclaim the full amount. It has conditions with their own clocks — you and your spouse must occupy the property as your principal residence starting within 60 days of registration and continuously afterwards, and the application must reach the Ministry of Finance within 180 days of the day you became a permanent resident, which is not the day your PR card arrives in the post. Ontario eliminated the international-student and foreign-worker NRST rebates for agreements entered after 29 March 2022; pages still listing them are years out of date. Nominee and protected-person status are separate up-front exemptions, not rebates, and are claimed differently.
Canada's foreign buyer ban, and what changes on 1 January 2027
The Prohibition on the Purchase of Residential Property by Non-Canadians Act applies to residential property inside a census metropolitan area or a census agglomeration as those were defined in the 2016 census, and not outside one. That is a question about the property's census geography rather than about its address, we confirm it on your file before an offer goes in, and it is the first thing to settle if you are a non-Canadian buying in or near Orillia. Permanent residents are outside it entirely. A work-permit holder is exempt where the permit has 183 or more days of validity remaining on the date of purchase and they have not bought more than one residential property. A study-permit holder is exempt only on much harder terms: income tax returns filed for each of the 5 taxation years before the purchase, physical presence in Canada of at least 244 days in each of those 5 calendar years, no more than one property purchased, and a price at or under $500,000. Buying in breach is an offence carrying a fine of up to $10,000 and a court-ordered sale of the property. Two things about it are worth planning around. The Act expires on 1 January 2027 — it was extended once, in February 2024, and no further extension has been tabled — so a purchase closing after that date is currently on a different legal footing from one closing before it. And the ban and NRST are separate instruments: the ban lapsing does nothing to the 25% of non-resident purchase tax on this property, which has no expiry date at all. Being exempt from the ban never meant you were exempt from the tax.
The same Orillia house, two closing days
Take Orillia's $675,000 average price and change nothing but the buyer's status. A permanent resident puts $42,500 down (6.3% — 5% of the first $500,000 and 10% of the rest), finances a 4.00% default-insurance premium of $25,300 into the mortgage, and brings $57,824 to the lawyer once you add $9,975 of land transfer and registration cost, the $2,024 of provincial sales tax on that premium — which cannot be financed — and roughly $3,325 of legal, title, inspection and adjustments. A foreign national on a work permit, insured to the identical loan-to-value at the identical minimum down payment, brings $226,574 — $168,750 more, and every dollar of the difference is NRST. Put a conventional 20% down instead, which is roughly where lender overlays on non-permanent-resident files tend to land, and the cash needed is $317,050: no insurance premium and no premium tax, but $135,000 of down payment sitting beside the same $168,750 of tax. The monthly payment is the smaller story — $3,528 against $2,896 in principal and interest at 4.19% over 25 years. The closing-day number is the one that decides whether the purchase happens, and it is the reason the single most valuable thing many work-permit buyers can do is wait for permanent residence rather than shop harder for a rate.
Which insurer takes your file: CMHC, Sagen and Canada Guaranty
Below 20% down your mortgage has to be insured, and the insurer's appetite decides the approval at least as often as the lender's does. All three of Canada's default insurers run a dedicated newcomer programme, all three insure a valid work permit as readily as permanent residence, and all three go to 95% loan-to-value on a one- or two-unit owner-occupied home — which is why the "work permit means 10 to 35 percent down" line you will read elsewhere is a description of lender overlays rather than of the rules. Where they genuinely differ is in what they will accept instead of a Canadian credit bureau, and that is usually the whole file. CMHC wants a minimum score of 600 from at least one borrower or guarantor and will otherwise look at an international credit report, a reference letter from your bank in your country of origin, or 12 months of rent plus one further obligation. Sagen will take an international bureau, 12 months of bank or billing statements evidencing payment consistency, a reference letter from a recognised financial institution, or six months of primary-account statements at 90% LTV or less. Canada Guaranty's Maple Leaf Advantage adds a landlord-letter route: 12 months of confirmed rent supported by statements, plus at least one Canadian utility. Two rules are common to all three and catch newcomers out constantly: every debt held outside Canada counts against your total debt service ratio, and rental income earned outside Canada does not count as income at all. Where all three agree is the arithmetic: gross debt service capped at 39% of income, total debt service at 44%, both measured under the OSFI B-20 stress test at the greater of your contract rate plus two per cent or 5.25% — so a 4.19% offer is tested at 6.19%. You do not choose the insurer; the lender submits to one. The practical value of a broker here is knowing which lender's insurer will read your particular file most generously before the application is made.
The 25-year cap most newcomers do not see coming
An insured mortgage is capped at a 25-year amortization. The 30-year option that every article about the December 2024 reforms mentions applies only above 80% loan-to-value and only where the borrower is a first-time buyer or is buying newly built construction — and "first-time buyer" is a defined term that looks at property you owned anywhere in the world, not only in Canada. A newcomer who owned a flat in their home country in the previous 4 calendar years is not a first-time buyer for this purpose, which quietly costs them the 30-year option. The difference is not cosmetic: on the $657,800 mortgage this page models, 25 years is $3,528 a month against $3,199 at 30, and because the B-20 stress test measures a payment rather than a balance, the shorter amortization raises the income you need to qualify by roughly the same proportion — about $154,000 of household income at a 6.19% qualifying rate rather than the contract 4.19%. The same foreign-ownership look-back reaches further than the amortization. It also removes the $4,000 of first-time-buyer land transfer relief this purchase would otherwise attract in Ontario, because that relief is restricted to purchasers who have never held an interest in a home anywhere in the world. If you are a work-permit holder who would otherwise qualify for that refund, note the one piece of good news buried in the rules: you have 18 months after registration to become a citizen or permanent resident and then claim it. That is a different clock from the 4-year NRST rebate clock, and missing either is permanent.
FHSA and the Home Buyers' Plan in your first years as a tax resident
Both of Canada's tax-sheltered down-payment tools are open to newcomers, and they open at different speeds — which is the planning point almost nobody makes. A First Home Savings Account needs only that you are a resident of Canada, 18 or older, and a first-time home buyer, so a permanent resident can open one in their first weeks here and start $8,000 a year of deductible contributions toward a $40,000 lifetime limit, growing and coming out tax-free for a qualifying home. There is no minimum holding period before a qualifying withdrawal — that two-year rule you may have read is a misremembering of the RRSP Home Buyers' Plan's 90-day contribution rule. The Home Buyers' Plan is the one that will not be there in year one: it lets you withdraw up to $60,000 from your RRSPs, but RRSP contribution room is generated by earned income reported on a prior year's Canadian return, so a newcomer who landed this year has none of it yet. Practically, that means the FHSA first and the HBP from year two or three. Both are gated by the same trap: "first-time home buyer" counts a home you owned as your principal residence in the current or previous 4 calendar years anywhere in the world, so property you still hold — or sold on the way here — can void both. The spouse rules differ between them in a way worth checking rather than assuming: for the HBP a home your spouse owned and you lived in counts against you, and for an FHSA qualifying withdrawal it does not, though it does bar you from opening the account in the first place. Repayment is also further off than the old rule suggests: for a first HBP withdrawal made between 1 January 2026 and 31 December 2028, the 15-year repayment period starts in the fifth year after the withdrawal rather than the second.
Your down payment, your foreign debts and the paperwork closings fail on
Money arriving from outside Canada is fine; money arriving late is not. Lenders and FINTRAC want a 90-day history for down-payment funds, so the clean route is to have the money sitting in your Canadian account 90 days before closing. Where that is not possible, the file needs a documented transfer trail instead — the source of the funds abroad, the wire records, and a source-of-wealth letter — and gifted funds need a signed gift letter naming the relationship and confirming the money is not repayable. None of the three insurers will accept a borrowed down payment on a newcomer programme, so a personal loan or an unsecured line of credit is not a route here even though it is on some domestic products. Two qualifying rules deserve their own line, because they are the ones that move a pre-approval after it has been given: every debt you hold outside Canada — a mortgage on a property at home, a car loan, a student loan — is included in your total debt service ratio, and rental income from a property outside Canada is excluded from the calculation entirely. A borrower with an overseas rental that comfortably covers its own mortgage will find the payment counted and the rent ignored. And who goes on title is a decision worth making with the numbers in front of you rather than at signing: if a non-resident spouse goes on title with you, their share of the purchase attracts NRST — $168,750 on a $675,000 purchase is the full-price figure, and a partial interest is taxed in proportion.
What your income documents look like, by how you are paid
Salaried employment is the straightforward case: a letter on company letterhead giving your job title, start date, salary and whether the position is full-time and permanent, two recent pay stubs, and a T4 or Notice of Assessment once you have one. Probation is usually workable if the letter says the role is permanent. On a contract, expect the contract itself plus three months of bank statements showing the deposits actually landing, and expect the lender to look at how much of the term remains. If you are self-employed in Canada, the newcomer programmes will not carry you — all three insurers exclude business-for-self from their newcomer products — so that file is underwritten on its own terms and the add-back questions on our Orillia self-employed page apply instead. If you are still earning abroad, a small number of lenders will read a foreign employer letter with foreign tax returns and a currency conversion, and most will not; that is a narrow lender list rather than a policy, and finding it is the work. Whatever the structure, bring the immigration document itself — the permanent resident card, the confirmation of permanent residence, or the work permit with its expiry date visible. Every insurer requires it in the file, and a permit expiring inside the term is a question the underwriter will ask before the appraisal is ordered rather than after.
Six expensive mistakes newcomers make buying in Orillia
One: buying on a work permit when permanent residence is months away. The relief exists — rebatable in full if you become a permanent resident within 4 years of registration — but it is claimed after the fact, which means finding $168,750 in cash first and waiting to get it back, on a clock nobody in this transaction controls. Two: applying at the branch where you opened your first Canadian account, because it is the institution you know. Bank newcomer programmes — RBC Newcomer Advantage, Scotiabank StartRight, BMO NewStart, TD New to Canada, CIBC Newcomer and National Bank's newcomer offer — are real products worth having, but each bank sees only its own rate sheet and its own overlay on non-permanent-resident files. Three: moving the down payment into Canada in the last month before closing and then being unable to document its source. Four: assuming a home owned abroad is irrelevant, when it decides your FHSA eligibility, your HBP eligibility, the $4,000 of first-time-buyer land transfer relief this purchase attracts in Ontario and the 30-year amortization all at once. Five: putting a non-resident spouse on title without pricing the NRST their share attracts. Six: waiting to open a Canadian credit file until you are ready to buy. Every insurer's alternative-credit route asks for 12 months of history — rent, utilities, telecom, insurance, documented savings — so the file you want at application is one you had to start a year earlier. If you are 12 months out from buying in Orillia, that is the single highest-value thing to do this week.
What each default insurer will accept instead of a Canadian credit file
You do not choose the insurer — your lender submits to one. Knowing which of the three will read your file most generously before the application goes in is most of the work.
Permanent residents, and non-permanent residents legally authorised to work in Canada
95% on 1–2 units, 90% on 3–4 (owner-occupied). Non-permanent residents cannot use a non-traditional down payment.
Minimum score 600 for at least one borrower or guarantor; failing a Canadian bureau, an international credit report, a letter of reference from your bank in your country of origin, or 12 months of rent plus one other obligation
Valid work permit or permanent residence. Foreign diplomats and appointees are ineligible.
95% on 1–2 units, 90% on 3–4. Business-for-self, borrowed down payment and second homes are excluded from the programme.
An international credit bureau, 12 months of bank or billing statements showing payment consistency, a letter of reference from a recognised financial institution, or — at 90% LTV or less — six months of primary-account statements
Permanent resident or landed immigrant status, or a valid work permit. No previous bankruptcy, foreclosure or mortgage arrears.
95% on 1–2 units, 90% on 3–4. No borrowed down payments; maximum LTV can be cut by local market conditions.
An international credit bureau; or 12 months of landlord-confirmed rent plus a utility; or 12 months of bank statements from a Canadian or home-country institution; or a reference letter covering six months of banking
Building an Orillia approval without Canadian credit
A thin or non-existent Canadian credit file doesn't have to stall an Orillia purchase. Three paths work: an international Equifax or TransUnion report covering 90+ countries; alternative credit built from rent, utilities, telecom, and insurance payment history; and the banks' dedicated newcomer programs — RBC Newcomer Advantage, Scotiabank StartRight, BMO NewStart, TD New to Canada, CIBC Newcomer and National Bank's — none of which require established Canadian credit. We match your specific status — PR, work permit, or in-progress — to the lender most likely to say yes.
Down payment from abroad and source-of-funds
Funds arriving from outside Canada are fine, but the paperwork matters. Transfer the down payment to your Canadian account at least 90 days before closing, or document the international transfer trail with a source-of-wealth letter. We coordinate the FINTRAC source-of-funds requirements up front so a fully approved Simcoe file doesn't stumble at the lawyer's office days before close. Permanent residents put as little as 5% down, and so, at all three default insurers, do holders of a valid work permit — CMHC, Sagen and Canada Guaranty each insure to 95% LTV on a one- or two-unit home. The 10–35% you will read elsewhere is a lender overlay layered on top of the insurer's rule, not the rule itself, which is exactly the kind of thing worth shopping.
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From West Ridge to South Ward — we know the local market, the typical newcomer file size, and the lender appetites that fit each pocket of Orillia.
West Ridge
Newer detached subdivision
A builder purchase asks for a rate hold reaching final closing, which is a long commitment on a file whose Canadian credit history is still short.
North Ward
Post-war and older detached
Affordable, reliably insurable stock where roof, furnace and wiring age are the recurring appraisal conditions. Basement suites appear often and must be legal before their rent counts.
Lakehead
Waterfront and water-adjacent detached
Shoreline properties raise flood-mapping and, on some sites, seasonal-access questions. A property that is not winterised or year-round accessible is a recreational file with a higher minimum down payment.
South Ward
Established detached, mature lots
Long owner tenure makes refinance and HELOC work a large share of local volume, all bounded by the 80% loan-to-value cap on an equity take-out.
Regional Ontario lenders we shop — alongside the Big-6 banks and national monolines:
Meridian DUCA Alterna Savings FirstOntario
FAQ
New-to-Canada mortgages in Orillia — common questions.
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Who qualifies for a new-to-Canada mortgage in Orillia?
Any Canadian resident in Orillia who meets the standard new-to-Canada mortgage criteria — we help borrowers from West Ridge, North Ward, Lakehead and surrounding Simcoe.
What's the average newcomer file size in Orillia?
Orillia's average price is approximately $675,000, so the typical newcomer file we see here sits in the $573,750–$776,250 band. Your specific neighbourhood and property type can move that materially.
What does a new-to-Canada mortgage cost on a typical Orillia home?
On Orillia's $675,000 average price, a representative newcomer file at minimum down works out to about $42,500 down and roughly $3,199/mo (principal + interest at 4.19% over a 30-year amortization), plus about $9,975 in Ontario land transfer tax. Your exact numbers depend on the property and your file — we run them precisely before you commit.
Why use an Orillia mortgage broker for a new-to-Canada mortgage?
A local broker knows Simcoe's property types and which of our 100+ lenders price newcomer files best in Orillia — from West Ridge and North Ward condos to detached stock. Beyond the Big-6 banks and national monolines, that includes regional Ontario lenders like Meridian, DUCA, Alterna Savings — several of which qualify on the contract rate rather than the stress-test rate, which can matter on a tight file. We compare every option and there's no fee to you on A-lender files.
I'm a permanent resident. How much down payment do I need?
5% on the first $500K, 10% on the portion to $1.5M, 20% above. The under-20% mortgage is insured by CMHC, Sagen, or Canada Guaranty (premium financed into the loan). Insured PR mortgages price identically to long-term Canadians.
I'm on a work permit. Can I qualify?
Yes. All three default insurers — CMHC Newcomers, Sagen New to Canada and Canada Guaranty's Maple Leaf Advantage — insure a valid work permit to 95% LTV on a one- or two-unit owner-occupied home, so the legal minimum down payment is the same tiered figure a permanent resident pays. What varies is the LENDER overlay on top: a closed permit with an established Canadian employer and 12+ months of tenure clears far more of them than a short-tenure or open permit does, and several want materially more than the minimum. That overlay is shoppable, which is the point of running the file through 100+ lenders rather than one branch.
I have no Canadian credit. What are my options?
Three paths: (1) International Equifax/TransUnion report covering 90+ countries; (2) Alternative credit letters (telecom, rent, utilities, insurance); (3) Lender-specific Newcomer programs that don't require Canadian credit history.
Can my down payment come from outside Canada?
Yes. Transfer funds to your Canadian bank account at least 90 days before closing, OR provide documented international transfer history with source-of-wealth letter. We coordinate FINTRAC compliance.
Do I have to pay the Non-Resident Speculation Tax on an Orillia home?
Only if you are a foreign national, a foreign corporation or a taxable trustee. Canadian citizens and permanent residents do not pay it. If you do, it is 25% of the purchase price — $168,750 at Orillia's $675,000 average price — due in cash at closing on top of $9,975 of ordinary land transfer and registration cost, and it cannot be added to the mortgage. Rebatable in full if you become a permanent resident within 4 years of registration. We price both versions of your file before you make an offer, because the tax is due on closing day whether or not the relief eventually arrives.
Can I buy in Orillia on a work permit?
Yes, on two conditions and with one large cost. The federal ban applies to residential property inside a census metropolitan area or census agglomeration, so you need 183 or more days of validity left on your permit at the date of purchase and you must not have bought more than one residential property. Financing is available: CMHC, Sagen and Canada Guaranty all insure a valid work permit to 95% loan-to-value, so the legal minimum down payment is the same $42,500 a permanent resident would put down, though individual lenders often require more. The cost is NRST at $168,750, which takes the cash you need at closing from about $57,824 to about $226,574.
Should I wait until I get permanent residence to buy in Orillia?
If permanent residence is close, the arithmetic usually says yes. On the same $675,000 house, a permanent resident needs about $57,824 of cash at closing and a work-permit holder about $226,574 — a gap of $168,750 that is entirely NRST. It is rebatable in full if you become a permanent resident within 4 years of registration, so waiting is not the only route, but you have to find the money first and wait to get it back. Against that, waiting means whatever the market does in the meantime. We run both timelines with your actual numbers rather than arguing the principle.
How do I build a Canadian credit file fast enough to qualify?
You cannot compress it much, which is why starting early matters more than doing it cleverly. Every insurer's alternative-credit route is built on 12 months of evidence — rent confirmed by a landlord letter and bank statements, utilities, telecom, insurance, or documented regular savings — so the practical timeline is: open a Canadian chequing account and a secured credit card in your first weeks, put two recurring bills in your own name, and never miss a payment. Six months in you should have a thin file appearing at Equifax and TransUnion; CMHC wants a minimum score of 600 from at least one borrower or guarantor. In the meantime an international credit report from your home country, or a reference letter from your bank there, can carry the file on its own — all three insurers accept one. The mistake is waiting until you have found a house.
Does the home I owned before moving to Canada affect my Orillia purchase?
More than most people expect, and in four places at once. Owning a home anywhere in the world — including one you have sold — in the current or previous 4 calendar years removes your first-time-buyer status, which costs you the FHSA, the RRSP Home Buyers' Plan, the $4,000 of first-time-buyer land transfer relief this purchase would attract in Ontario and the 30-year insured amortization that would otherwise be available above 80% loan-to-value. If you still hold the property, the mortgage on it also counts against your total debt service ratio while any rent it earns is excluded from your income entirely. None of that stops the purchase; all of it changes the numbers, and it is better established before a pre-approval than after one.
How long does a new-to-Canada mortgage take to close in Orillia?
Most Orillia files close in 21-35 days from approval. Faster on clean A-lender transfers; slower on alt-A or files requiring an appraisal in a fast-moving Simcoe market.
What documents do I need for a new-to-Canada mortgage in Orillia?
Standard package: two pieces of government photo ID, two years of T4s/NOAs, recent pay stubs, 90-day proof of down-payment funds, and the property documents (MLS listing or current mortgage statement). Self-employed and newcomer files have additional requirements — we send a precise list after a 5-minute intake.
Who regulates a new-to-Canada mortgage in Ontario?
Mortgage Squad Advisors is a licensed Ontario mortgage brokerage — FSRA (Financial Services Regulatory Authority of Ontario) Brokerage Licence #13737. All advisors are licensed and FINTRAC-trained, and every recommendation follows FSRA's conduct and disclosure rules.
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