New to Canada Mortgages in Toronto
Helping Newcomers Build Their Dream Home
Some conditions may apply. Rates may vary from Province to Province. Rates subject to change without notice. Posted rates may be high ratio and/or quick close which can differ from conventional rates. *O.A.C. & E.O
Esi Ghassemi - Mortgage Broker at Centum Financial Services Limited Partnership - Brokerage # 13054
Moving to a new country is exciting but can also be challenging, especially when it comes to navigating the mortgage process. At Esi.Mortgage, we specialize in helping newcomers to Canada secure the right mortgage to purchase their first home in Toronto, Richmond Hill, and the Greater Toronto Area (GTA). We simplify the process and provide tailored solutions to fit your unique situation.

What is a New to Canada Mortgage?
A New to Canada mortgage is designed specifically for recent immigrants who may not have a credit history in Canada. These mortgage solutions:
- Help newcomers purchase a home with minimal hassle.
- Provide flexible credit requirements.
- Offer competitive rates and terms.
Eligibility Requirements
While requirements may vary by lender, the general criteria for New to Canada mortgages include:
Residency Status
Permanent residents, work permit holders, or refugees.
Down Payment
Minimum 5-10%, depending on the property value and program.
Employment
Proof of stable income or employment in Canada.
Credit History
Flexible options for individuals with limited or no Canadian credit history.
How Esi.Mortgage Can Help
We understand the unique challenges newcomers face and offer services tailored to their needs:
Flexible Mortgage Options:
- Access to lenders specializing in New to Canada programs.
- Options with minimal credit history requirements.
Expert Guidance:
- Assistance with documentation, including proof of residency and income.
- Advice on building credit in Canada to improve future borrowing options.
Supportive Process:
- Personalized service to help you understand and navigate the mortgage application process.
- Quick approvals to help you settle into your new home.

Why Choose Us?
With years of experience helping clients in Toronto, Richmond Hill, and the GTA, we’re committed to making homeownership accessible for newcomers. Our personalized approach ensures that you find the best mortgage solution for your needs.
Transparent & Efficient Process
From pre-approval to closing, I provide clear guidance at every step. I aim to simplify the mortgage journey and empower you with the right financial decisions.
Client-First Approach
I work for you, not the banks. I prioritize securing the most competitive mortgage rates and terms while ensuring a smooth and stress-free process.
Personalized Mortgage Solutions
No two financial situations are the same. I focus on crafting customized mortgage strategies to align with your short-term and long-term goals.
Access to a Wide Network of Lenders
From major banks and credit unions to private lenders, I have the connections and expertise to find the best mortgage solutions tailored to your financial needs.
Industry Expertise & Experience
With over nine years in the mortgage industry, I bring a wealth of knowledge and insights to help clients navigate the complexities of home financing.
Case Study
Homeownership for a Newcomer Family in Ontario
The Goal
A family recently immigrated to Ontario and was ready to purchase their first home. Despite having full-time employment and a 20% down payment saved, they were declined by major banks due to limited Canadian credit history.
The Challenges
- No Canadian Credit → Recent newcomers with no local credit score
- Traditional Lenders Declined → Despite stable income and savings
- Urgent Purchase Timeline → Needed to close within 30 days of finding a home


The Solution
Placed with an alternative lender specializing in newcomer financing
Used international credit + employment letters to support application
Structured a 1-year mortgage term with flexible conditions to establish credit
The Outcome
Loan Amount:
$520,000 (at competitive rate)
Monthly Payment:
~$2,300
Now building Canadian credit for future refinancing
Closed on time in 3 weeks
Why Work with Esi.Mortgage?
- We work with lenders who understand New to Canada borrowers
- Fast approvals, even without Canadian credit
- Guidance to transition into prime lending within 12–24 months
Our Partners



















125+ Five-Star Reviews (4.9 Rating)
Trusted by GTA Homeowners!
Daniel HosseinzadehTrustindex verifies that the original source of the review is Google. I can’t say enough good things about my experience with Esi as my mortgage broker. From day one, Esi was genuinely invested in finding the best solution for me, not just pushing me into a typical deal. He took the time to understand my situation and explained all the options in a way that made sense. His communication was always clear and timely—he was never too busy to answer my questions, no matter how small. What really stood out was his ability to simplify the whole process and make it feel less stressful. Esi is the kind of professional who truly goes above and beyond, and I wouldn’t hesitate to recommend him to anyone looking for a broker who cares and knows his stuff! Aidin ArbabiTrustindex verifies that the original source of the review is Google. Very satisfied with the service. Everything went well as promised without any stress. 100% recommended! Hadi KomeylianTrustindex verifies that the original source of the review is Google. Essie is incredibly reliable and hardworking. He’s straightforward, efficient, and takes the stress out of the process. His diligence and ability to handle complex situations with ease are unmatched. I wouldn’t think twice about working with him again or recommending him to others. Soheil TalebiTrustindex verifies that the original source of the review is Google. I recently collaborated with Esi on several deals and was thoroughly impressed with the results. He is knowledgeable, professional, and trustworthy in his work. You can rely on him for any mortgage-related needs, as his honesty is unwavering. Highly recommended! helia shamsTrustindex verifies that the original source of the review is Google. Exceptional Mortgage Broker. Esi made the entire mortgage process smooth and stress-free. They were professional, knowledgeable, and always available to answer my questions. Their expertise helped me secure a great deal tailored to my needs. I highly recommend Esi to anyone looking for a trustworthy and efficient mortgage broker. Syuzanna HarutyunyanTrustindex verifies that the original source of the review is Google. It was a pleasure working with Essi! Very knowledgeable mortgage broker who helped me prepare for my upcoming closings. Highly recommend! Behzad SharifiTrustindex verifies that the original source of the review is Google. I recently had the pleasure of working with Esi to secure a second mortgage, and I couldn’t be more satisfied with experience. From start to finish, Esi demonstrated exceptional professionalism, expertise, and dedication, thanks a lot NuBNB CanadaTrustindex verifies that the original source of the review is Google. Amazing mortgage broker! Really knows what to do. Highly recommended! aliTrustindex verifies that the original source of the review is Google. Professional, positive and reliable, My experience was excellent
Frequently Asked Questions
Can I get a mortgage if I don’t have a Canadian credit history?
Yes, many lenders offer flexible programs for newcomers without a credit history. We’ll help you find the right lender.
What is the minimum down payment for newcomers?
The minimum down payment is typically 5-10%, depending on the property value and lender program.
Do I need permanent residency to qualify for a mortgage?
No, individuals with work permits or refugee status may also qualify for New to Canada mortgages.
Can I use my overseas income to qualify?
Some lenders may consider overseas income as part of your application. We’ll guide you through the documentation process.
How can I build credit in Canada as a newcomer?
Start by opening a secured credit card, paying bills on time, and keeping your credit utilization low. We’ll provide additional tips to strengthen your credit profile.