Your first home.Made simple.
Buying property in Canada as a newcomer or non-resident has its own paperwork — residency declarations, FINTRAC, the federal Prohibition Act, NRST. EstatePulse walks you through every step, with newcomer-friendly lenders on tap.
Newcomer concierge · what's included
Residency declaration walk-through
We pre-fill the form from your KYC and explain what each section means.
Prohibition Act eligibility check
Find out which exemptions apply to you (work permit, study permit, spouse).
Newcomer mortgage matching
Lenders that accept 0–24 months Canadian credit history.
FINTRAC document help
We collect ID, source-of-funds docs, and beneficial-ownership info upfront.
From landing in Canada to landing the keys.
- 1
Tell us about your situation
Residency status, immigration class, intended timeline. 2-minute form below.
- 2
We match you with newcomer-friendly lenders
Reduced Canadian credit history requirements, larger down payment OK.
- 3
Complete KYC + residency declaration
We pre-fill from your profile; you confirm and sign.
- 4
Eligibility check (Prohibition Act, NRST)
Auto-applied based on residency declaration; flags surfaced before offer.
- 5
Browse, get pre-approved, make offers
Same workspace as Canadian residents — fewer surprises.
- 6
Close, fund trust deposit, get keys
OREA paperwork, ACSS PAD trust funding, FINTRAC forms — all in one room.
Not legal or immigration advice
EstatePulse is not licensed as a Regulated Canadian Immigration Consultant (RCIC), a real-estate lawyer, or a tax advisor. Information here is general guidance only — your situation may differ. Always consult a Canadian real-estate lawyer about the Prohibition on the Purchase of Residential Property by Non-Canadians Act, NRST applicability, FINTRAC obligations, and tax-residency questions before signing any agreement of purchase and sale.
Tell us about your move.
A real human on our newcomer team will reach out within 1 business day.
Languages we speak
English, French, Mandarin, Cantonese, Hindi, Punjabi, Arabic, Spanish, Tagalog, Korean.
FAQ
- Generally yes, but the Prohibition on the Purchase of Residential Property by Non-Canadians Act restricts purchases by non-Canadians (and certain corporations) until at least January 1, 2027. There are exceptions — international students, work-permit holders, and spouses of Canadians may qualify. We'll surface which apply to you in the residency- declaration flow. Always consult a Canadian real-estate lawyer before signing.
Newcomer FAQ.
- Generally yes, but the Prohibition on the Purchase of Residential Property by Non-Canadians Act restricts purchases by non-Canadians (and certain corporations) until at least January 1, 2027. There are exceptions — international students, work-permit holders, and spouses of Canadians may qualify. We'll surface which apply to you in the residency- declaration flow. Always consult a Canadian real-estate lawyer before signing.