Newcomer mortgage leads
Buyers who are new to Canada, from first landing to first home, delivered to you alone.
Newcomer mortgage leads are people who recently moved to Canada, as permanent residents or on a work permit, and who want to buy a home. Banks tend to send them away at the first sign of a thin credit file, so the borrower who finds a broker early often stays with that broker for years. Our campaigns run under one broker's name, and every inquiry is exclusive to you.
- New to Canada buyers, permanent residents and work permit holders
- Reached early, before a bank has a chance to say no
- Exclusive and never resold
Newcomer mortgage leads, in 40 seconds
The four stages a newcomer goes through before buying, and what to confirm on the first call.
Where a newcomer becomes a purchase lead
A newcomer does not walk into a broker's office on day one. They move through four stages, and the useful part for you is knowing which one the person is in.
Arrival
A new job, a family reunion, a study permit that turned into a life. They rent, open a bank account and start searching. Most are a year or more from buying and want to understand how Canadian mortgages work.
Where you meet them: a Facebook or Instagram ad that explains the process in plain terms, before any bank has.
Status
Permanent residents are not caught by the federal prohibition on purchases by non-Canadians. Work permit holders can buy under an exception: the permit needs at least 183 days of validity left at purchase, and it covers one residential purchase while the prohibition is in effect. The prohibition is currently scheduled to end on January 1, 2027, so confirm where it stands when you take the file.
Where you meet them: the first call, where you confirm which of those they are before anything else.
Credit and documents
Without a Canadian credit history, both Sagen and Canada Guaranty list other ways to show it: an international credit bureau report, 12 months of rent or bank history, or a letter from a home-country bank. Canada Guaranty does not allow a borrowed down payment, and Sagen lists accepted sources, including savings, RRSP and a non-repayable family gift.
Where you meet them: the document checklist, which is where a good broker earns the file.
First home
The insurer newcomer programs start at 5% down on the first $500,000 of price and 10% on the part above that. Everyone still qualifies at the stress test rate, so set that expectation before they start looking at listings.
Where you meet them: pre-approval, then the purchase itself. See purchase leads for how that conversation starts.
What the form captures and what to be careful about
The form asks for the same answers as a purchase lead: name, phone, email, province and city, whether it is a first home, how much they have saved and when they want to buy. Status and documents are things you confirm on the first call, because borrowers describe them in many different ways.
Be careful with the ad. Never promise an approval, a rate or that a newcomer will qualify. Put your brokerage name and licence details on the ad where your province requires it. Insurer program rules change, so quote them from the current guidelines, not from memory.
Get them through a managed Facebook campaign or pay per lead, and see how it works. The company behind this site is Amplify Leads, month to month with no long contracts.
Questions brokers ask us
Can a permanent resident buy a home in Canada?
Yes. The federal law restricting purchases by non-Canadians does not treat permanent residents as non-Canadians, so it does not apply to them. Normal lender rules still do, including income, down payment and credit.
Can someone on a work permit buy?
Under the federal exception, a work permit holder can buy if the permit has at least 183 days of validity left at the time of purchase and they have not already bought a residential property in Canada while the prohibition is in effect. The prohibition is currently scheduled to end on January 1, 2027, so check the current status before you advise anyone.
Do insurers have newcomer programs?
Two do. Sagen has its New to Canada program and Canada Guaranty has Maple Leaf Advantage, both with a minimum 5% down on the first $500,000 of price. Each needs a valid work permit or permanent residency, and each lists alternative ways to show credit when the Canadian file is thin. Read the current guidelines before quoting a file.
Is a newcomer lead harder to close?
Usually slower, not harder. The borrower often needs documents from another country, a credit picture that has to be proven another way, and a clear explanation of how Canadian lending works. Brokers who are patient at that stage tend to keep the relationship for the next purchase and the renewal.
Which channel works for newcomer leads?
Facebook and Instagram reach people early, including those who have just landed and are still comparing banks. Google catches the ones searching for a mortgage for permanent residents or a work permit mortgage. Mortgage ads need a Special Ad Category on Meta, so the message carries the targeting, not demographic filters.
See what a campaign would look like in your market
A free 30-minute call. We look at your province, your products and what is already working, and map out what we would build. If it is not a fit, you will hear that too.