Question 1

Who qualifies for a new-to-canada mortgages in Quebec City?

Accepted Answer

Any Canadian resident in Quebec City who meets the standard new-to-canada mortgages criteria — we help borrowers from Sainte-Foy, Sillery, Saint-Roch and surrounding Capitale. Affordable provincial capital. Government-employee borrower base.

Question 2

What's the average newcomer file size in Quebec City?

Accepted Answer

Quebec City's benchmark home price is approximately $405,000, so the median newcomer file we see here sits in the $344,250–$465,750 band. Your specific neighbourhood and property type can move that materially.

Question 3

I'm a permanent resident. How much down payment do I need?

Accepted Answer

5% on the first $500K, 10% on the portion to $1.5M, 20% above. The under-20% mortgage is insured by CMHC, Sagen, or Canada Guaranty (premium financed into the loan). Insured PR mortgages price identically to long-term Canadians.

Question 4

I'm on a work permit. Can I qualify?

Accepted Answer

Yes — 10-35% down typical, depending on lender and permit type. Closed permits with established Canadian employer (12+ mo) are easier than SOWP or short-tenure files. Scotia StartRight is the most flexible.

Question 5

I have no Canadian credit. What are my options?

Accepted Answer

Three paths: (1) International Equifax/TransUnion report covering 90+ countries; (2) Alternative credit letters (telecom, rent, utilities, insurance); (3) Lender-specific Newcomer programs that don't require Canadian credit history.

Question 6

Can my down payment come from outside Canada?

Accepted Answer

Yes. Transfer funds to your Canadian bank account at least 90 days before closing, OR provide documented international transfer history with source-of-wealth letter. We coordinate FINTRAC compliance.

Question 7

How long does a newcomer take to close in Quebec City?

Accepted Answer

Most Quebec City files close in 21-35 days from approval. Faster on clean A-lender transfers; slower on alt-A or files requiring an appraisal in a fast-moving Capitale market.

Question 8

What documents do I need for a newcomer in Quebec City?

Accepted Answer

Standard package: two pieces of government photo ID, two years of T4s/NOAs, recent pay stubs, 90-day proof of down-payment funds, and the property documents (MLS listing or current mortgage statement). Self-employed and newcomer files have additional requirements — we send a precise list after a 5-minute intake.

Question 9

Is Mortgage Squad Advisors licensed to operate in Quebec?

Accepted Answer

Yes — Mortgage Squad Advisors holds FSRA Brokerage License #13737. We hold or partner under the appropriate provincial regulator in every market we serve, including Quebec. All advisors are licensed and FINTRAC-trained.

New-to-Canada mortgages in Quebec City.

New-to-Canada mortgages — built for Quebec City.

New-to-Canada mortgages across Quebec City

New-to-Canada mortgages in Quebec City — common questions.

Other mortgage solutions in Quebec City

New-to-Canada mortgages in other Quebec cities

Ready to start your new-to-canada mortgages in Quebec City?