Hi everyone, I'm hoping maybe someone has recently purchased property in Canada, specifically Ontario if that matters, who can help shed some light on this. I've been in contact with a couple different mortgage lenders on a fact finding mission. However, I'm getting different answers from different people. I am a Canadian citizen, but a non-resident as I have been in the United States for over a decade now. My husband will be - assuming all goes well - a Permanent Resident, when we relocate to Canada sometime in the next 12 months. One lender told me that since I'm a non-resident, I would have to put 35% down and that there really wasn't any way around it. They also weren't sure exactly what time period of physically living/working in Canada would change that status from non-resident to resident. Another said that they were fairly certain that we should be perfectly fine with the residency requirement, but cautioned that it would ultimately be up to underwriting, and they weren't sure of any specific parameters either. I'm a Real Estate Agent down here, so I know every situation is unique. However, I would think there would be some standard policy in place regarding "what is a resident?" when determining the required down payment amount. Has anyone in a similar situation purchased & financed a property purchase immediately after moving to Canada? What issues did you run into? Did you have to put a minimum of 35% down, or were they flexible on that? Thanks a bunch!