Can a non-resident buyer get a mortgage in Ontario without any Canadian credit history?

It is possible, but it is generally more difficult and requires a different approach than a typical Canadian resident's mortgage application, since most Canadian lenders build their standard underwriting around domestic credit bureau data that a non-resident without a Canadian credit history simply will not have. Lenders willing to work with non-residents in this position generally look for alternative evidence of creditworthiness - foreign credit reports, bank reference letters, proof of consistent income and assets abroad, and sometimes a larger down payment to offset the reduced ability to assess risk in the usual way.

This narrows the field of realistic lending options considerably, since not every lender is set up to evaluate this kind of alternative documentation, and it can also mean a longer, more document-heavy approval process than a resident buyer would experience. It does not mean financing is unavailable, but it does mean expectations and preparation both need to be adjusted.

Work with a mortgage broker or lender experienced specifically with non-resident buyers, and be ready to provide detailed alternative documentation of your financial history well in advance.