You say that after 1 year you were able to get a loan? How big? Can I get a mortgage, so I don't need to rent, after 1 year?
You would have to ask. Renting is really not that bad. Something breaks down, you call the landlord. When you own, you have to fix it yourself. My first credit card I got after year of working had a limit of only $1000. I bought a house after I was in Canada for 3 years. My real estate agent told me that if my bank would refuse me a mortgage, I should look for a mortgage broker who would get me the money somewhere else. A mortgage broker is supposed to find you the best rates for your needs from many different places. Same with insurance brokers you also find here in Canada. Instead of checking all the insurance companies yourself, you go to a broker and they hook you up with the cheapest insurance.