{"id":1144,"date":"2022-12-02T16:03:02","date_gmt":"2022-12-02T16:03:02","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/?page_id=1144"},"modified":"2025-06-10T14:02:26","modified_gmt":"2025-06-10T18:02:26","slug":"mortgages-for-newcomers","status":"publish","type":"rbc_newcomer_pages","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/new-to-canada\/mortgages-for-newcomers\/","title":{"rendered":"Mortgages for Newcomers to Canada"},"content":{"rendered":"\n<section role=\"banner\" class=\"wp-block-rbc-banner-campaign alignfull banner html-bnr none remove-extra-padding\"><div class=\"section-inner campaign\"><div class=\"banner-wpr\"><div class=\"banner-img img-center lazy desktop-only\" data-img=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2022\/12\/mortgages-for-newcomers-bnr.jpeg\" data-img-id=\"1147\" style=\"background-image:url( https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2022\/12\/mortgages-for-newcomers-bnr.jpeg );background-position:50%,50%;background-size:cover;background-repeat:no-repeat\"><\/div><div class=\"banner-img img-center lazy mobile-only\" data-img=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2022\/12\/mortgages-for-newcomers-bnr.jpeg\" data-img-id=\"1147\" style=\"background-image:url( https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2022\/12\/mortgages-for-newcomers-bnr.jpeg );background-position:50%,50%;background-size:cover;background-repeat:no-repeat\"><\/div><div class=\"banner-text\">\n<h2 class=\"wp-block-heading\" id=\"h-feel-settled-faster-let-us-help-you-buy-your-first-home-in-canada\">Feel settled faster\u2014let us help you buy your first home in Canada.<\/h2>\n<\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel pad-l-dbl pad-r-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-l-dbl pad-r-dbl pad-b-hlf\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center\" id=\"h-why-newcomers-love-our-mortgages\"> Why Newcomers Love Our Mortgages<\/h2>\n\n\n\n<p>\u00a0At RBC, mortgage options are available for newcomers with little-to-no Canadian employment or credit history, including some specialty programs with no minimum income required<sup> <a href=\"#legal-1\" data-dig-id=\"LP-1144-9374154d\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1\" class=\"rbc-link-format\">1<\/a><\/sup>. We\u2019re here to help with your transition to Canadian life, whether you\u2019re:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-checkmark-icon\">\n<li class=\"wp-block-rbc-list-item\">\n<p>A temporary foreign worker<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>A foreign income earner <\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>A permanent resident on the path to employment or have investment income<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>If you are a non-Canadian with a study or work permit and on the path to Canadian Permanent Resident status and your lawyer has verified that you are legally eligible to purchase residential property in Canada, you may be able to qualify for a mortgage.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-l-dbl pad-r-dbl pad-b pad-t\" style=\"border-radius:0x\">\n<h3 class=\"wp-block-heading has-text-align-center\" id=\"h-buy-a-home-with-confidence\">Buy a Home With Confidence<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-checkmark-icon\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Know how much home you can afford with an RBC pre-approval<sup><a href=\"#legal-2\" data-dig-id=\"LP-1144-0457c612\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"2\" class=\"rbc-link-format\">2<\/a><\/sup><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Benefit from a 120-day interest rate guarantee<sup><a href=\"#legal-2\" data-dig-id=\"LP-1144-7d35c1f2\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"3\" class=\"rbc-link-format\">3<\/a><\/sup><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Take up to 30 years to repay your mortgage when you qualify<sup><a href=\"#legal-3\" data-dig-id=\"LP-1144-41f8b7b1\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"4\" class=\"rbc-link-format\">4<\/a><\/sup><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>You may be able to pay as little as 5% down payment<sup><a href=\"#legal-5\" data-dig-id=\"LP-1144-62268708\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"5\" class=\"rbc-link-format\">5<\/a><\/sup><\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mar-t-dbl has-cool-white-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-t\" style=\"border-radius:0x\">\n<div class=\"wp-block-group  mar-b-dbl is-layout-constrained wp-container-core-group-is-layout-ecb1faea wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-align-center mar-b-hlf\" id=\"h-a-mortgage-specialist-can-help\">A Mortgage Specialist Can Help<\/h2>\n\n\n\n<p class=\"has-text-align-center\">Find an&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/mortgages\/specialist-locator\/index.html\" data-dig-id=\"LP-1144-1d032b9e\" data-dig-label=\"RBC mortgage specialist\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">RBC mortgage specialist<\/a> that speaks your preferred language, receive professional, personalized advice and get a fast and easy mortgage pre-approval. Your specialist can:<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-columns  mar-b-0 is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-checkmark-icon\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Offer advice on saving for your down payment<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Help you complete your mortgage pre-approval<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Explain Canada\u2019s home-buying and mortgage process<\/p>\n<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-checkmark-icon\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Explain your financing options and help you save money<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Refer you to a realtor to help you find a home<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Meet with you at your home, office or local RBC branch<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-t-0 mar-b-0\" style=\"border-radius:0x\">\n<div class=\"wp-block-group  mar-b-dbl is-layout-constrained wp-container-core-group-is-layout-ecb1faea wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-align-center  mar-b-hlf\" id=\"h-tools-and-resources\">Tools and Resources<\/h2>\n\n\n\n<p class=\"has-text-align-center  mar-b-dbl\">Not sure where to start? You may find the following tools and resources useful:<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-0eb865ec wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns mar-b-dbl mob-mar-b-hlf is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column pad-l-hlf pad-r-hlf is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:362px\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-ad2f72ca wp-block-group-is-layout-flex\">\n<div class=\"wp-block-rbc-icon-block  mar-r-hlf\"><img loading=\"lazy\" decoding=\"async\" width=\"75\" height=\"75\" class=\"icon icon-40\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/\/assets\/img\/icons\/icon-forms.svg\" alt=\"icons\/icon-forms\" \/><\/div>\n\n\n\n<p class=\"font-weight-for-default-links\"><a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/new-to-canada\/buying-first-home-in-canada\/\" data-dig-id=\"LP-1144-dd42a69c\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Buying Your First Home in Canada Checklist\" class=\"rbc-link-format\">Buying Your First Home in Canada Checklist<\/a><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column pad-l-hlf pad-r-hlf mob-mar-t-hlf is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:362px\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-ad2f72ca wp-block-group-is-layout-flex\">\n<div class=\"wp-block-rbc-icon-block  mar-r-hlf\"><img loading=\"lazy\" decoding=\"async\" width=\"75\" height=\"75\" class=\"icon icon-40\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/\/assets\/img\/icons\/icon-calc.svg\" alt=\"icons\/icon-calc\" \/><\/div>\n\n\n\n<p><a href=\"https:\/\/www.rbcroyalbank.com\/mortgages\/mpcrds\/start.html\" data-dig-id=\"LP-1144-e5d926d1\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Mortgage Payment Calculator\" class=\"rbc-link-format goto-link\" data-icon-class=\"goto-link\">Mortgage Payment Calculator<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column pad-l-hlf pad-r-hlf is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:362px\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-ad2f72ca wp-block-group-is-layout-flex\">\n<div class=\"wp-block-rbc-icon-block  mar-r-hlf\"><img loading=\"lazy\" decoding=\"async\" width=\"75\" height=\"75\" class=\"icon icon-40\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/\/assets\/img\/icons\/icon-loans.svg\" alt=\"icons\/icon-loans\" \/><\/div>\n\n\n\n<p><a href=\"https:\/\/www.rbcroyalbank.com\/mortgages\/tools\/mortgage-affordability-calculator\/index.html\" data-dig-id=\"LP-1144-d4be0750\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"How Much Home Can You Afford?\" class=\"rbc-link-format goto-link\" data-icon-class=\"goto-link\">How Much Home Can You Afford?<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-section-inner-block  section-inner mar-t-dbl mar-b-0 pad-t-0\" style=\"border-radius:0x\">\n<h3 class=\"wp-block-heading has-text-align-center\" id=\"h-are-you-eligible-to-buy-a-property-in-canada\">Are you eligible to buy a property in Canada?<\/h3>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-2d6580f3 wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center  mar-b\">Effective January 1, 2023, the Government of Canada will be placing certain restrictions on the purchase of residential property in Canada by non-Canadians. We recommend you speak with a lawyer\/ notary to confirm whether you\u2019re eligible to buy a residential property in Canada before you start your home search.<\/p>\n\n\n\n<p class=\"has-text-align-center\"><a href=\"https:\/\/laws.justice.gc.ca\/eng\/acts\/P-25.2\/page-1.html\" data-dig-id=\"LP-1144-047f05bb\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"View Government Regulations\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\">View Government Regulations<\/a><\/p>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block section-grey pos-rel  mar-t-0 mar-b-0 has-eaeaea-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner mar-t-0 mar-b-0 pad-t-dbl pad-b-dbl pad-l-0 pad-r-0 mob-pad-l-0 mob-pad-r-0\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-callout-block section-inner callout-block campaign pad-t-0 pad-b-0\"><div class=\"callout callout-reverse horizontal\"><div class=\"callout-img lazy\" data-img=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2022\/11\/Newcomers_656x300-1.jpeg\" data-img-id=\"221\" style=\"background-image:url( https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2022\/11\/Newcomers_656x300-1.jpeg);background-position:47%,46%;background-size:\"><\/div><div class=\"callout-content\"><div class=\"callout-copy\">\n<h3 class=\"wp-block-heading\" id=\"h-the-rbc-newcomer-advantage\">The RBC Newcomer Advantage<br><\/h3>\n\n\n\n<p class=\"mob-pad-b-hlf\">Get what you need for a great financial start in Canada. Discover products and services that can help you settle in faster. Plus, get up to a $15,000 credit limit on a new RBC credit card<sup><a href=\"#legal-9\" data-dig-id=\"LP-714-3f03faaf\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"9\" class=\"rbc-link-format\">9<\/a><\/sup>.<\/p>\n<\/div><div class=\"callout-link  text-left\"><a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/new-to-canada\/bank-offers-for-permanent-resident-and-foreign-worker-newcomers\/\" target=\"_self\" class=\"standalone-link\" rel=\"noopener\">See What We Can Offer NewComers<\/a><\/div><\/div><\/div><\/div>\n<\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-callout-block section-inner callout-block campaign  pad-t-dbl\"><div class=\"callout  horizontal\"><div class=\"callout-content\"><div class=\"callout-copy\">\n<h2 class=\"wp-block-heading has-text-align-center  mar-t-qtr\" id=\"h-how-to-apply-for-an-rbc-mortgage\">How to Apply for an RBC Mortgage<\/h2>\n\n\n\n<div class=\"wp-block-columns mar-t default is-style-vertical-divider mar-b-qtr is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column pad-r-hlf is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:480px\">\n<p>Whether you\u2019re ready to buy a home or just starting to save for a down payment, an RBC mortgage specialist can help make your home ownership dreams a reality.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-style-default default mob-pad-l-0 pad-l-0 pad-r-0 is-layout-flow wp-block-column-is-layout-flow\" style=\"border-style:none;border-width:0px\">\n<div class=\"wp-block-group pad-r-dbl mar-r-hlf is-content-justification-space-between is-layout-flex wp-container-core-group-is-layout-e3bc7287 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-8cf370e7 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group pad-l-hlf mob-pad-l-0 is-nowrap is-layout-flex wp-container-core-group-is-layout-ad2f72ca wp-block-group-is-layout-flex\">\n<div class=\"wp-block-rbc-icon-block\"><img loading=\"lazy\" decoding=\"async\" width=\"75\" height=\"75\" class=\"icon icon-20\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/\/assets\/img\/icons\/icon-advisor.svg\" alt=\"icons\/icon-advisor\" \/><\/div>\n\n\n\n<p class=\" mar-l-qtr\"><a href=\"https:\/\/www.rbcroyalbank.com\/mortgages\/specialist-locator\/index.html\" data-dig-id=\"LP-1144-72ee5b29\" data-dig-label=\"Find a Mortgage Specialist\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\"><strong>Find a Mortgage Specialist<\/strong><\/a><\/p>\n<\/div>\n\n\n\n<p class=\"pad-l pad-t-hlf mar-l-hlf has-text-sm-font-size\">You can search by language spoken.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group  mob-mar-t-hlf is-vertical is-layout-flex wp-container-core-group-is-layout-8cf370e7 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group pad-l-hlf mob-pad-l-0 mobile-hidden is-nowrap is-layout-flex wp-container-core-group-is-layout-ad2f72ca wp-block-group-is-layout-flex\">\n<div class=\"wp-block-rbc-icon-block\"><img loading=\"lazy\" decoding=\"async\" width=\"75\" height=\"75\" class=\"icon icon-20\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/\/assets\/img\/icons\/icon-phone.svg\" alt=\"icons\/icon-phone\" \/><\/div>\n\n\n\n<p class=\" mar-l-qtr\">Call Toll-Free:&nbsp;<strong>1-866-756-1107<\/strong><\/p>\n\n\n\n<div class=\"wp-block-rbc-tool-tip-block\"><p><button class=\"tooltip-trigger\" data-id=\"270923b9-7f5f-432b-9112-2a38af6bea05\"><\/button><\/p><div id=\"270923b9-7f5f-432b-9112-2a38af6bea05\" class=\"tooltip\" data-h=\"rightedge\" data-v=\"bottom\" aria-describedby=\"270923b9-7f5f-432b-9112-2a38af6bea05-content\" aria-hidden=\"true\"><div id=\"270923b9-7f5f-432b-9112-2a38af6bea05-content\" class=\"tooltip-inner\"><p><strong>Toll-free when dialed from the United States or Canada.<\/strong><\/p><\/div><button class=\"close\"><span>Close<\/span><\/button><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group pad-l-hlf mob-pad-l-0 desktop-hidden is-nowrap is-layout-flex wp-container-core-group-is-layout-ad2f72ca wp-block-group-is-layout-flex\">\n<div class=\"wp-block-rbc-icon-block\"><img loading=\"lazy\" decoding=\"async\" width=\"75\" height=\"75\" class=\"icon icon-20\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/\/assets\/img\/icons\/icon-phone.svg\" alt=\"icons\/icon-phone\" \/><\/div>\n\n\n\n<p class=\" mar-l-qtr\">Call Toll-Free:&nbsp;<strong><a href=\"tel:18667561107\" data-dig-id=\"LP-1144-e03449e3\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1-866-756-1107\" class=\"rbc-link-format\">1-866-756-1107<\/a><\/strong><\/p>\n\n\n\n<div class=\"wp-block-rbc-tool-tip-block\"><p><button class=\"tooltip-trigger\" data-id=\"460beeee-e868-431e-8e0b-a0c1279e4952\"><\/button><\/p><div id=\"460beeee-e868-431e-8e0b-a0c1279e4952\" class=\"tooltip\" data-h=\"rightedge\" data-v=\"bottom\" aria-describedby=\"460beeee-e868-431e-8e0b-a0c1279e4952-content\" aria-hidden=\"true\"><div id=\"460beeee-e868-431e-8e0b-a0c1279e4952-content\" class=\"tooltip-inner\"><p><strong>Toll-free when dialed from the United States or Canada.<\/strong><\/p><\/div><button class=\"close\"><span>Close<\/span><\/button><\/div><\/div>\n<\/div>\n\n\n\n<p class=\"pad-r-hlf pad-l mar-l-hlf pad-t-hlf has-text-sm-font-size\">Service available in up to 200 languages.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block section-grey pos-rel  pad-t-dbl pad-b-dbl has-eaeaea-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-l-0 pad-r-0 pad-b-0 pad-t-qtr\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-b-hlf pad-b-hlf\" id=\"h-discover-learn\">Discover &amp; Learn<\/h2>\n\n\n\n<div class=\"wp-block-columns mar-t-dbl mar-b-dbl is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column pad-b-0 mar-t-0 mar-b-0 pad-t-0 is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-rbc-callout-block section-inner callout-block campaign is-style-full-height pad-t-0 pad-b-0\"><div class=\"callout  \"><div class=\"callout-img lazy\" data-img=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2022\/12\/banner-small-tips-for-newcomers_402x.jpeg\" data-img-id=\"1203\" style=\"background-image:url( https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2022\/12\/banner-small-tips-for-newcomers_402x.jpeg);background-position:10%,54%;background-size:\"><\/div><div class=\"callout-content\"><div class=\"callout-copy\">\n<h4 class=\"wp-block-heading  mob-pad-b-hlf\" id=\"h-three-tips-for-newcomers-to-find-their-right-neighbourhood\">Three Tips for Newcomers to Find Their Right Neighbourhood<\/h4>\n<\/div><div class=\"callout-link  text-right\"><a href=\"https:\/\/discover.rbcroyalbank.com\/three-tips-newcomers-find-right-neighbourhood\/\" target=\"_self\" class=\"goto-link\" rel=\"noopener\">Get the Tips<\/a><\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column pad-b-0 pad-t-0 mar-b-0 mar-t-0 mob-mar-b-hlf mob-mar-t-hlf is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-rbc-callout-block section-inner callout-block campaign is-style-full-height pad-t-0 pad-b-0\"><div class=\"callout  \"><div class=\"callout-img lazy\" data-img=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2022\/12\/banner-small-budget-busting-costs_402x.jpeg\" data-img-id=\"1204\" style=\"background-image:url( https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2022\/12\/banner-small-budget-busting-costs_402x.jpeg);background-position:16%,34%;background-size:\"><\/div><div class=\"callout-content\"><div class=\"callout-copy\">\n<h4 class=\"wp-block-heading  mob-pad-b-hlf\" id=\"h-first-time-homebuyers-don-t-overlook-these-budget-busting-costs\">First Time Homebuyers: Don\u2019t Overlook These Budget-Busting Costs<\/h4>\n<\/div><div class=\"callout-link  text-right\"><a href=\"https:\/\/discover.rbcroyalbank.com\/first-time-homebuyers-dont-overlook-these-budget-busting-costs\/\" target=\"_self\" class=\"goto-link\" rel=\"noopener\">Read Now<\/a><\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column pad-b-0 pad-t-0 mar-b-0 mar-t-0 is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-rbc-callout-block section-inner callout-block campaign is-style-full-height mar-t-0 mar-b-0 pad-t-0 pad-b-0\"><div class=\"callout  \"><div class=\"callout-img lazy\" data-img=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2022\/12\/banner-small-getting-settled-in-school@2x.jpeg\" data-img-id=\"1205\" style=\"background-image:url( https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2022\/12\/banner-small-getting-settled-in-school@2x.jpeg);background-position:22%,38%;background-size:\"><\/div><div class=\"callout-content\"><div class=\"callout-copy\">\n<h4 class=\"wp-block-heading  mob-pad-b-hlf\" id=\"h-settling-in-canada-how-to-set-your-kids-up-for-success\">Settling in Canada: How to Set Your Kids Up for Success<\/h4>\n<\/div><div class=\"callout-link  text-right\"><a href=\"https:\/\/discover.rbcroyalbank.com\/settling-in-canada-how-to-set-your-kids-up-for-success\/\" target=\"_self\" class=\"goto-link\" rel=\"noopener\">Read Now<\/a><\/div><\/div><\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn before is-style-tertiary tertiary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/discover.rbcroyalbank.com\/topics\/new-to-canada\/\" data-dig-id=\"LP-1144-793f756d\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Discover More-https:\/\/discover.rbcroyalbank.com\/topics\/new-to-canada\/ \">Discover More<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-b-0 mar-b-0 pad-r-0 pad-l-0\" style=\"border-radius:0x\">\n<section class=\"wp-block-rbc-rbc-legal-collapsible disclaimer\" aria-label=\"Legal Disclaimers\"><div class=\"section-inner\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapseDisclaimer\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapseDisclaimer\" data-dig-id=\"LP-1144-4284aa0a\" data-dig-category=\"LP\" data-dig-action=\"legal close\" data-dig-label=\"legal close\" action-closed=\"legal close\" action-opened=\"legal open\" label-close=\"legal open\" label-open=\"legal close\"><span>View Legal Disclaimers<\/span><span>Hide Legal Disclaimers<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapseDisclaimer\"><div class=\"collapse-inner\"><div class=\"table-wpr\">\n<div class=\"wp-block-rbc-rbc-disclaimer-block  mar-b-hlf\"><div class=\"table-row\" id=\"_legal-1\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>1<\/sup><\/div><div class=\"table-cell\">\n<p class=\"has-text-sm-font-size\" id=\"legal-1\">As a newcomer to Canada, you may be eligible for an RBC Royal Bank residential mortgage or mortgage within an RBC Homeline Plan, even if you have little to no Canadian employment or credit history, provided you meet all of the eligibility requirements and credit criteria of Royal Bank of Canada and do not have adverse credit bureau information. For any specialty mortgage programs with no minimum income requirement, $0 income is not permitted. Specialty programs also have liquid asset requirements in addition to down payment. Available to permanent residents who have been in Canada less than 5 years. Temporary residents may also be eligible for certain lending and\/or other products offered by Royal Bank of Canada.<br><\/p>\n\n\n\n<p class=\"has-text-sm-font-size\" id=\"legal-1\">To be eligible and\/or qualify for RBC offers for newcomers to Canada, you may be required to show proof of entry into Canada and provide supporting documents such as a passport, landing papers (e.g., work permit, visa, etc.) or Canadian Permanent Resident card. Additional documents may be required to validate down payment funds sourced from another country. If applying for a residential mortgage under an eligible Royal Bank of Canada program for newcomers to Canada, you must have, and be able to furnish proof of, Canadian income from another source, such as an eligible Canadian investment. All residential mortgages and lending products provided by Royal Bank of Canada are subject to its standard lending criteria. For additional information, speak to an RBC Mortgage Specialist.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-2\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>2<\/sup><\/div><div class=\"table-cell\">\n<p class=\"has-text-sm-font-size\" id=\"legal-2\">You may complete an RBC Mortgage Pre-Approval using our online form, or by contacting an RBC Mortgage Specialist. Getting pre-approved for a mortgage is free and can help you (i) know how much you can afford to pay for your home and what your interest rate will be; and (ii) be in a better position to make an offer to purchase a property. Subject to additional terms and conditions. For additional information, speak to an RBC Mortgage Specialist.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-3\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>3<\/sup><\/div><div class=\"table-cell\">\n<p class=\"has-text-sm-font-size\" id=\"legal-3\">For applications that result in a written mortgage pre-approval or approval containing an interest rate commitment, the interest rate is guaranteed for up to 120 days from the rate commitment date. The mortgage must fund within 120 days from the start of the rate commitment period. Other terms and conditions may apply. For additional information, speak to an RBC Mortgage Specialist.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-4\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>4<\/sup><\/div><div class=\"table-cell\">\n<p class=\"has-text-sm-font-size\" id=\"legal-4\">In cases where down payment is less than 20% of the value of a property, the maximum 30-year amortization will apply only to (i) all first-time home buyers provided they satisfy the definition of a first-time homebuyer, defined as at least one person on the mortgage meeting one of the following:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-black-disc pad-l-hlf mob-pad-l-hlf mar-b-qtr mob-mar-b-qtr\">\n<li class=\"wp-block-rbc-list-item mar-b-0 mar-t-0 mob-mar-t-0 mob-mar-b-0\">\n<p class=\"has-text-sm-font-size\">has never purchased a home before, or<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item mar-t-0 mob-mar-t-0 mar-b-0 mob-mar-b-0\">\n<p class=\"has-text-sm-font-size\">has not occupied a home as a principal place of residence in the last 4 years that either they or their current spouse or common-law partner own, or<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item mar-t-0 mob-mar-t-0 mar-b-0 mob-mar-b-0\">\n<p class=\"has-text-sm-font-size\">has recently experienced the breakdown of a marriage or common-law partnership and is wishing to purchase as a solo applicant)<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr has-text-sm-font-size\">or<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">(ii) all purchasers of newly built homes. In addition, if your down payment is less than 20%, you must pay a mortgage default insurance premium charged by a mortgage insurer. This insurance protects the financial institution if you ever default on your mortgage. Available for Conventional Newcomer Equity and Standard Programs. Default insured programs that do not fit within the qualifying criteria above will have a maximum amortization period of 25 years.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-5\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>5<\/sup><\/div><div class=\"table-cell\">\n<p class=\"has-text-sm-font-size\">The minimum down payment requirement for mortgage default insurance depends on the purchase price of the home. For a purchase price of $500,000 or less, the minimum down payment is 5%. When the purchase price is above $500,000, the minimum down payment is 5% for the first $500,000 and 10% for the remaining portion. Mortgage default insurance is available only for properties with a purchase price or appraised value below $1,500,000.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-9\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>9<\/sup><\/div><div class=\"table-cell\">\n<p class=\"has-text-sm-font-size\" id=\"_legal-9\">Your credit limit will be based on financially related information about you, including income and asset information. Offer available to RBC personal deposit accountholders who are (i) permanent residents who arrived in Canada within the last 12 months, or (ii) temporary resident workers who arrived in Canada within the last 48 months, applying for a new RBC Royal Bank personal credit card (excluding the RBC Rate Advantage Visa). Existing RBC Royal Bank personal credit card cardholders are not eligible. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time. Higher credit limits are subject to higher income and asset requirements.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n<\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":143,"featured_media":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"categories":[],"class_list":["post-1144","rbc_newcomer_pages","type-rbc_newcomer_pages","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"Newcomer to Canada? 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