Buying a home in Canada for the first time is an exciting milestone. Our team guides new Canadians through every step — from mortgage approval to VIP access to closing — in plain English (and other languages too).
Yes — and pre-construction is often the ideal path for newcomers to Canada. Here's why: a deposit structure spread over 2–4 years gives you time to build your Canadian credit history and save — all while your home is being built at today's locked-in price.
Permanent Residents (PRs), skilled worker visa holders (including LMIA-exempt workers), and Canadian citizens are all eligible to purchase pre-construction real estate in Ontario. Recent rule changes (2025) have also opened up some opportunities for certain work permit holders.
The most important step is getting pre-approved by a mortgage lender experienced with new-to-Canada buyers. We work with lenders who specialize in exactly this and can connect you with the right team.
Before registering for any project, connect with a mortgage broker who specializes in new-to-Canada buyers. They'll confirm your purchasing power and identify the best lenders for your situation.
Tell us your city, budget, property type, and timeline. We match you with the best upcoming launches and secure your spot on the VIP list — weeks before the public.
As a registered VIP, you choose your unit before the public — best floors, best layouts, at introductory pricing. Our team walks you through every floor plan option.
This is the formal contract with the builder. You have a 10-day "cooling off" period after signing to review with your lawyer and cancel without penalty if needed.
Deposits (typically 15–20% total) are paid in installments over 1–3 years. This gives you time to build savings and credit history while your home is under construction.
At occupancy, you complete the mortgage and take possession of your brand new home. Your lawyer handles the closing documentation and title transfer.
Contribute up to $8,000/year ($40,000 lifetime) tax-free. Withdrawals are also tax-free when used for a qualifying first home. New Canadians who are first-time buyers in Canada may be eligible as soon as they file a Canadian tax return.
Withdraw up to $35,000 from your RRSP tax-free for a first home purchase. If both partners are first-time buyers, you can withdraw up to $70,000 combined. Repay over 15 years — or include the amount in your income.
A federal program offering a shared equity mortgage of 5–10% (on new construction). Reduces your monthly mortgage payments. You repay when you sell or after 25 years. Ask our team if this applies to your situation.
Program eligibility and terms change. Always confirm details with a licensed mortgage professional and/or the Canada Revenue Agency.
| City | Starting Price | Community | Commute to Toronto |
|---|---|---|---|
| Brampton | From $459,000 | South Asian, Caribbean, diverse | ~45 min by GO/Highway |
| Mississauga | From $549,000 | Diverse, multicultural hub | ~30 min by MiWay/Highway |
| Scarborough | From $519,000 | East Asian, South Asian, diverse | ~25 min by TTC/subway |
| Hamilton | From $429,000 | Growing, diverse, affordable | ~45 min by GO train |
| Kitchener | From $449,000 | Student friendly, international | ~60 min via ION+GO |
| Vaughan | From $599,000 | Italian, Jewish, diverse suburbs | ~35 min by Vaughan Metro |
| Toronto (Scarborough) | From $519,000 | Most diverse city in the world | — |
Not necessarily. Several lenders offer new-to-Canada mortgage programs that use international credit history, employment letters, or minimum deposit thresholds instead of Canadian credit scores. A 20–35% down payment significantly expands your options.
Ontario charges a 25% NRST on property purchases by foreign nationals who are not Canadian citizens, Permanent Residents, or nominees. If you are a PR or eligible work permit holder, you may be exempt — confirm with your lawyer before signing.
Some work permit holders qualify — especially those with employer offers in Ontario or with LMIA-exempt status. The NRST exemption was extended to certain permit holders in recent years. Our team will refer you to a real estate lawyer who can confirm your eligibility.
Our team works with Punjabi, Hindi, Gujarati, Mandarin, Cantonese, and Urdu-speaking clients, and we work with translation resources for other languages. More importantly, we'll explain every document in plain English and never rush you through anything.
Register and our team will contact you within 1 hour with a personalized plan — the right city, the right project, and the right team (mortgage, lawyer, builder) to make your first Canadian home a reality.
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