Arriving in a new country and finding a home at the same time is a lot. I help Arabic-speaking families through it: first a rental that works, then, when the time is right, buying.
Renting first
- Landlords usually ask for proof of income, references and a credit check. Without a Canadian credit history yet, other documents can help, such as an employment letter or proof of savings.
- In Ontario, most leases must use the standard lease form, and damage deposits are not allowed.
- I explain every document in Arabic before you sign anything.
Building toward buying
- Build Canadian credit early: a credit card used lightly and paid in full each month is a common starting point. Ask your bank what fits you.
- Talk to a licensed mortgage professional early. Lenders look at income history, credit and down payment, and some have programs for newcomers.
- Check which first-time buyer programs apply to you. The Ontario land transfer tax refund, for example, is for Canadian citizens and permanent residents. See the first-time buyer guide.
If you’re not yet a permanent resident
Federal restrictions on non-Canadians buying residential property apply until January 1, 2027, with exceptions, and Ontario charges a 25% Non-Resident Speculation Tax on foreign buyers, with a possible rebate if you become a permanent resident within four years. Get legal advice before making any offer.
Frequently asked questions
Can I rent a home without Canadian credit history?
Often yes. Landlords decide case by case, and documents like an employment letter, proof of savings and references can help. I help you put a strong application together.
When should a newcomer think about buying?
When your income is stable, you have a down payment plus closing costs, and a lender has pre-approved you. Every situation is different, so let’s look at yours together.
Sources (official pages, checked October 3, 2026)
- Ontario – Land transfer tax refunds for first-time homebuyers (max $4,000)
- Ontario – Non-Resident Speculation Tax (25%)
- CMHC – Prohibition on the Purchase of Residential Property by Non-Canadians Act
- Ontario – Guide to Ontario’s standard lease
Programs and limits change, often at budget time. Confirm the current rules on the official page before you rely on them.
Talk to me in English or Arabic: call or text (647) 465-3710, message me on WhatsApp, or email Mohieddinrealtor@gmail.com.
General information only – not financial, legal or mortgage advice. Please consult a licensed professional about your own situation.