Generally speaking, yes you can. Non-Canadians are able to buy homes in Canada with few legal restrictions. 

In addition to English, our team can communicate in Korean, Mandarin, Cantonese, Spanish and more.

Once you fill out our online application, we’ll work through the approval process and find current rates. But we’ll continue to monitor the mortgage market as your home is being built. Then, around 120 days prior to your property being complete, we’ll lock down the best possible rate available.

No. But you will need to show proof of income from your home country.

Usually not. You’ll need to show income from other sources, like your salary.

Yes, to obtain a mortgage from a Canadian lender, there may be a minimum down payment for foreign buyers. U.S. residents are required to have 20 percent of the property’s purchase price. Residents from other countries may be required to pay 35 percent as a down payment, and the funds cannot be a gift. 

Typically, Canadian lenders require your down payment to be made at least 30 days prior to your closing date. In some cases it may be up to 90 days.

You will likely need to provide proof of income, a reference letter from your bank, several months of bank statements, and a credit check.

Some regions in Canada require those who are not Canadian citizens or permanent residents to pay additional taxes or fees. The Province of British Columbia, for example, has a 20 percent tax for foreign buyers upon the purchase of residential real estate. Some regions also charge a vacancy tax, if the home is not occupied a certain portion of the year. 

These are on top of the standard fees for purchasing or owning a home in Canada, which typically include annual property taxes, agent fees, legal costs, and land transfer tax. If you’re buying a newly built home by pre-sale, you are required to pay GST or HST on the purchase price, depending on which region you’re buying in.