Newcomer and credit file
Your status, your job, the funds you’ve transferred, and the credit history you have here. We start from what exists, not from what’s missing.
Situation
You arrived in Quebec recently and you want to buy, with a Canadian credit history that’s still short.
The starting figures
- Time in Canada
- 16 months
- Current employment
- 11 months
- Down payment
- $92,000
- Canadian history
- 14 months
What the figures tell us
A short Canadian history doesn’t mean every file looks alike. Your status, your employment, where your down payment comes from, and what you owe elsewhere: that’s what decides the evidence required and the programs I can go after.
Options to compare
We look at the timing of the purchase, the down payment, and the programs that accept the evidence you have.
The trap to avoid
A large down payment or a strong credit file abroad doesn’t replace Canadian credit or the other criteria here. It helps, but it erases nothing.
The decision to make
We set the timing and the target price using the evidence you have today. Then I give you the exact list of what’s still missing.