Talk to Tim at 403-648-1541


First Time Home Buyers


First Time
Home Buyers.

Knowing how to apply for a mortgage in Canada as a newcomer is difficult. You need expert advice. Trust Tim Lacroix to guide you through the process, and get you great rates. 

Welcome to Canada! We understand that moving to a new country can be daunting, and we want to help you settle into your new home. As a newcomer, it’s difficult to know how to apply for a mortgage in Canada. You may be unfamiliar with our rules and regulations surrounding mortgages, but we are here to help. Tim Lacroix is one of Calgary’s top Mortgage Brokers. He and the rest of our team have been helping newcomers to Canada secure prime rates on mortgages so they can purchase their dream home, either as their primary residence or as their vacation home.

One of the great things about mortgages in Canada is that pre-approval is not difficult to obtain. Working with an expert relieves a lot of the stress and anxiety from the process, and helps you secure the best mortgage rate for your situation.

There are some of the key points you’ll need to be aware of if you’re thinking of getting a mortgage to buy a property in Canada:


To be eligible for a mortgage you typically need to have been steadily employed in Canada for at least three months.


You will need to have a good credit history, as this will assure lenders that you understand how to use credit wisely. To build a credit you should pay for your purchases using a credit card, and be sure to pay off at least the minimum balance before the due date each month. You can also prove your credit rating through international credit report agencies such as Equifax and TransUnion.


Any other documents that show you consistently pay back your lenders will help your mortgage approval process. These documents could include things such as receipts from landlords, credit card statements, and utility bills.

Call Tim today to open the conversation about apply for a mortgage in Canada.

Working with a reputable mortgage broker is always the best practice when you’re trying to get approved. Shopping around for the best mortgage rate is important. We will be happy to help you through the process of getting a mortgage for a home in Canada.

When you work with Tim, you’re working with someone who will help you throughout your life. Kardia Financial is your one-stop-shop to get the advice you need to be successful and reach your goals.

Contact Us

501-10333 Southport RD SW
Calgary, AB T2W 3X6