Non-Resident Mortgage
Services In Canada
As always, the land of real estate remains Canada’s favorite hot destination for overseas investors and ex-pats. From second homebuyers, income-generating investments through rental incomes, and plans for a retiree life abroad.
At Diverse Mortgage Group, we offer tailored Non-Resident Mortgage Services in Canada, ensuring a seamless experience for international buyers.
What Is A Non-Resident Mortgage?
A Non-Resident Mortgage is designed for individuals who are not permanent residents or citizens of Canada but wish to purchase property within the country.
This type of mortgage comes with specific requirements, including:
- Proof of income and financial stability.
- A higher down payment compared to residents.
- Additional documentation to meet the requirements of Canadian lending regulations.

Our Non-Resident Mortgage Solutions
Diverse Mortgage Group simplifies the process for obtaining a Non-Resident Mortgage in Canada by providing the following:
Full Assistance
We provide you with a step-by-step guide from the first consultation up to the time of closing.
Access to Top Lenders
Our vast network of Canadian lenders guarantees competitive terms and the lowest non-resident mortgage rates.
Document Preparation Assistance
We help you get all the required documents together in preparation for presentation to the Canadian lenders.
Customized Solutions
Our services are personalized according to the goal, be it a vacation home or investment property.
Multilingual Support
We cater to the diverse backgrounds of our clients through multilingual support, ensuring hassle-free communication.
Ongoing Assistance
Above all, we'll help you manage your property and finances long after you secure your mortgage.
How Does A Non-Resident Mortgage Work?
Eligibility Requirements
Non-residents must prove financial stability through bank statements, proof of income, and employment verification.
Down Payment
Non-residents are usually required to make a higher down payment, usually 35% or more of the property's purchase price.
Credit History
Canadian credit history may not be necessary, but lenders often consider international credit reports.
Tax Implications
Buyers must be made aware of NRST and other provincial regulations.
Use of Property
Non-resident mortgages are suitable for use as vacation homes, investment properties, or plans for relocation.
Advantages Of Non-Resident Mortgage
Access to Canadian Real Estate
You can have the security of property ownership in one of the most desirable markets globally.
Build Equity Abroad
Owning a property in Canada allows building equity in a stable and appreciating real estate market.
Rental Income Opportunities
Rental income would be earned, providing steady cash flow from the investment properties.
Residency in Canada
A Non-Resident Mortgage is one of the reasonable steps taken towards establishing residency in Canada.
Why Diverse Mortgage Group?
Our Non-Resident Mortgage Services in Canada set us apart through our
Extensive Experience
Decades of expertise have allowed us to assist many non-residents in making their dreams of owning a property in Canada come true.
Lender Partnerships
We can obtain favorable terms for international buyers through our close partnerships with leading lenders.
Tailored Approach
We recognize that every client has unique needs and tailor our services to suit the client's requirements.
Transparency
We are transparent and give straightforward advice to help you make informed decisions.
Extensive Experience
Decades of expertise have allowed us to assist many non-residents in making their dreams of owning a property in Canada come true.
Lender Partnerships
We can obtain favorable terms for international buyers through our close partnerships with leading lenders.
Tailored Approach
We recognize that every client has unique needs and tailor our services to suit the client's requirements.
Transparency
We are transparent and give straightforward advice to help you make informed decisions.
What Our Clients Say
Our track record speaks for itself, and we have numerous satisfied clients worldwide.
Unlock Canada's Real Estate Potential
Owning property in Canada is more accessible than ever with the proper guidance and expertise. At Diverse Mortgage Group, we're committed to making your dream of property ownership a reality.
Contact us today for a free consultation, and let's explore the possibilities of a Non-Resident Mortgage together!
FAQ
Frequently Asked Questions (FAQs)
Who qualifies for a Non-Resident Mortgage in Canada?
All such persons who are non-Canadian residents or citizens and have reasonable financial stability and relevant documentation can be eligible.
How much is the down payment for a Non-Resident Mortgage?
Non-residents generally must pay at least 35% of the purchase price in a down payment.
Are there special taxes for non-resident buyers?
In a few provinces, non-resident buyers are subject to tax obligations like the Non-Resident Speculation Tax (NRST).
Can I get a mortgage with no Canadian credit history?
Yes, many lenders accept international credit reports within the application.
What kind of property can I buy using a Non-Resident Mortgage?
You can buy second homes, investment properties, or future-planned retirement homes.