Lorem Ipsum is simply dummy text of the printing and typesetting industry. standard dummy text ever since the 1500s
Our personalized approach considers your credit score, rate fluctuations , future equity and refinancing options ensuring a mortgage plan that aligns your long-term aspirations
Yes, immigrants in Canada can qualify for a mortgage to buy a home. Many lenders offer mortgage options specifically
designed for newcomers, considering work permits, permanent residency, or other immigration statuses.
The down payment requirement for immigrants is similar to Canadian citizens, starting from 5% of the home’s purchase price for insured mortgages. However, larger down payments may improve mortgage terms and affordability.
While a Canadian credit history can be beneficial, some lenders accept international credit reports or alternative credit references from the applicant’s home country. Our team will assist in finding suitable lenders for your situation.
Yes, some lenders consider foreign income for mortgage qualification, provided it is stable and verifiable. We can connect you
with lenders who understand the unique financial circumstances of immigrant buyers.
The documentation may include proof of immigration status, employment verification, bank statements, and credit history from your home country. Our experts will guide you through the documentation process.
Yes, certain provinces and territories in Canada offer first-time homebuyer incentives, which may be accessible to immigrant buyers. We can help you explore these programs and determine eligibility.
Yes, some lenders consider applicants with temporary work permits for mortgage qualification. Your financial stability, work
history, and employment contract terms will be assessed during the approval process.
Your immigrant status alone may not directly impact the interest rate. The rate is typically determined based on your credit
score, down payment, and mortgage type. Our team will negotiate the best possible rate for you.
While it may be challenging for study permit holders to obtain a mortgage, certain lenders offer mortgage options for this
category. We can connect you with lenders experienced in working with students.
As your mortgage broker, we have access to a network of llenders specializing in immigrant mortgages. We navigate the complexities of the process, help you secure the best mortgage terms, and guide you throughout your homeownership journey in Canada.
We’ve been told it is not possible to overachieve our customer’s expectation. we have not reinvented the wheel, we decided to build upon it.
Unique Circumstances: Client is new to Canada and is first time home buyer. He was not aware of benefits that new to Canada program provides when there is less that two years of credit history. Client was also unware of down payment guidelines towards brining fund from his home country.
Shelto's Tailored Solutions: After fully understanding client's situation, we provided client full details about Mortgage for New to Canada. We have explain the prospective lender about why client has sort credit history but made timely of all payments. How client plans his monthly budget and track so that he never missed any payments. This helped demonstrating client's excellent financial 'character'. Financial character is one of key aspect of underwriting any loan. We also worked out strategy to bring fund from home country. the way that is expectable to lenders guideline.
A Dream Realized: With Shelto's support, Client successfully secured a mortgage and purchased his first home in his adopted country. Their expertise and sensitivity to his immigrant experience made the process seamless.
We’ve been told it is not possible to overachieve our customer’s expectation. we have not reinvented the wheel, we decided to build upon it.
Unique Circumstances: Client is new to Canada and is first time home buyer. He was not aware of benefits that new to Canada program provides when there is less that two years of credit history. Client was also unware of down payment guidelines towards brining fund from his home country.
Shelto's Tailored Solutions: After fully understanding client's situation, we provided client full details about Mortgage for New to Canada. We have explain the prospective lender about why client has sort credit history but made timely of all payments. How client plans his monthly budget and track so that he never missed any payments. This helped demonstrating client's excellent financial 'character'. Financial character is one of key aspect of underwriting any loan. We also worked out strategy to bring fund from home country. the way that is expectable to lenders guideline.
A Dream Realized: With Shelto's support, Client successfully secured a mortgage and purchased his first home in his adopted country. Their expertise and sensitivity to his immigrant experience made the process seamless.
The knowledge hub for borrowers, offering valuable insights and resources to
make informed mortgage decisions with confidence
Natural disasters, while unexpected and devastating, also significantly affect the property market and mortgage landscape. Understanding this impact is crucial for homeowners, buyers, and investors
Navigating the mortgage market is no easy feat, especially when determining how much home you can afford. With a plethora of options available, utilizing a
Securing a mortgage for a commercial property is different from a residential mortgage.The stakes are higher, the terms can be more complex, and the requirements
Praise Pour In : Clients Share Their Delightful Experiences and Stellar Recommendations
We are dedicated to bringing smile to your face
We are constantly striving to achieve excellence
A Team of experienced professionals you can trust
Learn & stay updated with the latest.
mriganka@shelto.ca
365-378-1591
6733 Mississauga Road, Suite 700 , Mississauga , ON-L5N 6J5
