The words “mortgage” and “loan” shouldn’t be scary. We prioritize putting you in great hands so you can walk away without fear. Let us help you get back to being happy about your new home.
The Problem: You’ve found your dream home in Ottawa, but traditional banks keep turning you down because your income comes from overseas. Despite having stable employment and good savings, you’re told “we don’t accept foreign income” – leaving you frustrated and stuck.
The Agitation: Every rejection feels like a door closing on your Canadian dream. You’re watching perfect homes slip away while dealing with confusing requirements, endless paperwork, and lenders who don’t understand your situation. Meanwhile, housing prices keep climbing, and you’re losing valuable time and money on rent.
The Solution: Bank Street Mortgage specializes in foreign income mortgages for Ottawa residents. We work with lenders who understand international employment and have approved hundreds of clients earning overseas income, with down payments as low as 15%.
Getting a mortgage with foreign earned income doesn’t have to be complicated. At Bank Street Mortgage, we’ve helped newcomers, expats, and international workers secure financing for their Ottawa homes, even without Canadian credit history.
Here’s what sets us apart:
We accept income from any country, including nations without formal tax systems. Whether you’re employed by an international company or self-employed overseas, we have mortgage programs designed for your situation.
Our lender network specializes in verifying foreign income through alternative documentation methods.
You can qualify with:
As little as 15% down payment
A letter from your overseas bank confirming good standing
Employment or business income documentation from your home country
No Canadian credit history required
Unlike traditional banks that reject foreign income automatically, we understand how to properly document and verify international earnings. Our streamlined process evaluates your complete financial picture, not just your credit score.
What you’ll need:
We guide you through every document requirement and work with lenders who actually approve foreign income applications.
No more endless rejections, just straightforward advice from mortgage brokers who specialize in international income verification.
We navigate CMHC and alternative lender requirements specific to foreign income
Access to 200+ lenders, including those specializing in newcomer and expat mortgages
No hidden fees, clear communication in your language if needed
Most applications processed within 48-72 hours
We negotiate the best terms based on your income profile
Whether you’re purchasing your first Canadian home or upgrading to a larger property, our team knows exactly which lenders will approve your foreign income – saving you time, frustration, and money.
Stop letting your overseas income hold you back from Canadian homeownership. Bank Street Mortgage has the expertise, lender relationships, and proven track record to get your foreign income mortgage approved, often with better rates than you’d expect.
Contact us today for a free consultation:
Call: 613-523-4949
Email: office@ottawabrokers.com
Visit: 74 Colonnade Rd, Unit 2, Ottawa, ON K2E 7L2
Let our experienced mortgage brokers show you exactly how to turn your foreign income into your Ottawa dream home.
Yes. Bank Street Mortgage works with lenders who accept overseas income for Canadian mortgages. You’ll typically need at least 15% down payment and documentation proving your foreign employment or business income is stable and verifiable.
The minimum down payment is 15% for most foreign income mortgage programs in Ottawa. Some situations may qualify for different amounts depending on your employment type, country of income, and overall financial profile.
No. We work with lenders who accept alternative credit verification through your overseas banking relationships. A reference letter from your foreign bank confirming you’re a client in good standing can substitute for Canadian credit history.
Most foreign income mortgage applications are processed within 48-72 hours once we receive all required documentation. The complete process from application to closing typically takes 3-4 weeks, depending on the complexity of income verification
We accept income from virtually any country, including nations without formal tax systems. Our lenders have experience verifying employment and business income from all major countries and emerging markets worldwide.
