1 answer from licensed, verified mortgage brokers.
Yes, you can obtain a mortgage as a newcomer to Canada. Many major lenders offer specialized programs designed for those with limited credit history. In these cases, lenders often look at "alternative credit", such as your rental payment history, utility bills, and employment records, to assess your reliability and affordability. A mortgage broker can help navigate these options to find the lender most willing to consider your unique financial profile.
Answered October 2026
✓ Answers reviewed by VerifiedAdvisors.ca. General information only, not personal financial advice. Speak with a licensed broker about your situation.