Plain-English guides for Ontario buyers — no jargon, no sales pitch. New posts every week.
Landing in Ontario without a credit file does not mean renting forever. Newcomer mortgage programs accept alternative credit — 12 months of on-time rent, utility and phone bills — and some lenders look at your banking history back home. Here is exactly what to prepare.
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The minimum works in tiers: 5% on the first $500,000, 10% on the portion up to $1 million, 20% beyond that. Worked examples, where the money can come from, and the closing costs most buyers forget.
Read the guide →Tell me the price range you are looking at and I will work out your minimum down payment, your monthly payment, and your closing costs — in plain English.
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