top of page
Father and Daughter

New To Canada

Let Me Guide You to Get the Best New-To-Canada Mortgage in Ontario



Exciting times.  You are new to Canada and have decided you want to buy a home and you need a mortgage to finance the purchase.  There is important documentation you will need to show to support this purchase and various steps to learn what mortgage you will qualify for and what rates are available to you.  The first step depends on whether you are a Permanent Resident and what your Credit Rating is, and how much Down Payment you have saved for this home.

If you are a Permanent Resident and have strong credit, you may be able to qualify for a typical mortgage.  Even if you dont, their are specialized programs through one of the New to Canada Programs offered by Canada's three insurers.  Outside of this, there are also alternative lenders and private lenders that have different lending criteria that will allow you to still get approved if you cant through the Banks. 

Figuring out how best to position yourself and navigate which lenders specialize in New to Canada mortgages so that you can obtain the best mortgage can be daunting.  This is where working with a broker has many advantages.  I will guide you through every step of the way to ensure you maximize your position in the eyes of the lenders to get what you need most.

Get Started by​ scheduling a FREE no-obligation consultation by clicking on the button below.  I will be calling you very soon!

Some of the Company We Keep


You Deserve A Better Mortgage.  I Can Help.

I'm not your typical mortgage agent and that's a good thing

RoundPhoto SMHsmall.png

Steven Himelfarb

Vice President of Sales

Mortgage Agent Level 2

(416) 450-3171

LIC# 12662

Stress-Free and Empowering

I work for you and not the banks or any other lender. I provide unbiased and trusted expert advice to help you get better results.

I'm responsive, responsible, and professional

I'm super fast.  I'm with you every step of the way until we get you approved. 

Best Rates

my Bank rates are even better than the Bank!  My experience, relationships, and understanding on how to negotiate with the Banks, Monoline Lenders, Alternative Lenders and Private Lenders allow me to get you the best rate based on your unique situation.

Be Confident

This industry and the market is always changing.  You are coming to me because it is my job to know all the changes and how to structure and leverage them to your benefit and get you approved.

Specializing in Private Mortgages and Alternative Lending

over 14 years of experience in getting mortgages approved in this space.  It's what we specialize in.  I have over 60+ private lenders that compete for your business which helps keep traditionally high rates and fees, low.

Education and Experience

You aren't just getting a mortgage, as a mortgage professional I will teach you how to position yourself for wealth and beyond.  I'm part of a top independent brokerage that has won several industry awards.


I've got a mortgage for that. Great credit, bad credit, self-employed, new to name it, I've got you covered all over Ontario.

Technologically Advanced

Everything is virtually digital.  We speak, sign, and complete everything using digital platforms.  Get a mortgage anywhere.

bottom of page