Bất động sản & Đầu tư tại Canada
Mua bất động sản tại Canada cho người mới đến, thường trú nhân và nhà đầu tư — với các chuyên gia nội bộ ITC iLand bên cạnh bạn.
Tại sao Đầu tư vào Bất động sản Canada?
Ba lý do khiến nhà đầu tư và người nhập cư chọn thị trường bất động sản Canada.
A Large, Established Market
Canada's real estate market, especially in the GTA, is large and well-established, with demand shaped in part by continued population growth. Like any property market, values can rise or fall — nothing here is investment or financial advice, and a licensed mortgage professional or financial advisor can help you assess whether a purchase fits your own financial goals.
What Property Ownership Does — and Does Not — Do for an Immigration File
Buying a home is not a scored factor in Express Entry or most points-based permanent residence programs — it does not add CRS points or improve your ranking. In specific programs or circumstances it may be one relevant piece of context, but this varies by program and by file. Our licensed RCIC consultants can tell you specifically whether — and how — a purchase is relevant to your own pathway, before you buy for that reason.
One-Stop Service
Our in-house real estate professionals work alongside our licensed immigration consultants, coordinating with mortgage brokers, lawyers and accountants so your property purchase and your immigration file move in step.
Dịch vụ của chúng tôi
Từ mua trước khi bàn giao và cho thuê đến bất động sản công nghiệp — dịch vụ đầy đủ với các chuyên gia nội bộ.
Pre-Sale Construction
Pre-construction developments are priced and released to buyers before general public listing. We help you evaluate developer offerings, understand the assignment-sale process, and know what you are actually agreeing to before you sign.
- New condo & townhome developments
- Access to pre-launch pricing and floor-plan selection
- Assignment sales and resale on pre-construction
- Developer negotiation support
- Unit selection guidance based on layout, exposure and resale considerations
Residential
From Toronto condos to suburban family homes — we guide buyers through every step of purchasing residential property in Canada.
- Resale homes and condominiums
- First-time buyer guidance and incentive programs
- Newcomer & PR applicant purchase support
- Mortgage referral and financing guidance
- Neighbourhood analysis across the GTA
Commercial
Acquire office, retail or mixed-use properties as part of your business immigration or investment strategy.
- Office & retail property acquisition
- Commercial leasing advisory
- Business premises for new operators and immigrants
- Investment property income analysis
- Zoning & permitted use review
Industrial
Source warehouses, manufacturing facilities and industrial investment properties across Ontario and major Canadian markets.
- Warehouse & logistics property acquisition
- Light industrial and manufacturing facilities
- Industrial park investments
- Lease-to-own and sale-leaseback structures
- Industrial portfolio diversification
Rental & Leasing
Whether you need a furnished suite for your first weeks or a year-long lease while you plan your purchase — we find the right rental for every stage.
- Furnished suites & corporate apartments for new arrivals
- Month-to-month flexible leases (no long-term commitment)
- Downtown, midtown & transit-accessible locations
- Airbnb-style extended stays and serviced residences
- Pet-friendly & family-sized options
- Move-in ready — utilities and internet included
- Annual lease search across GTA neighbourhoods by budget
- Lease negotiation — price, terms and move-in conditions
- Tenant rights & Ontario lease agreement review
- Credit & reference guidance for newcomers without Canadian history
- Co-signing support and application letter preparation
- Bridge-to-buy planning — rent strategically while saving for purchase
Câu hỏi Thường gặp của Người mới đến và Người nộp đơn PR
General information current as of August 2026 — rules like these change, and this isn't personal legal, tax or financial advice. Confirm current figures with a mortgage professional, real estate lawyer, or your RCIC consultant before relying on them.
Can newcomers or non-permanent residents buy property in Canada?
Permanent residents can buy property the same as Canadian citizens — the federal Prohibition on the Purchase of Residential Property by Non-Canadians Act does not apply to PRs at all. If you're on a work permit or other temporary status, you may still be able to buy if you meet the conditions set out in the Act's regulations (for example, work-permit holders meeting specific work-history requirements). The ban's current sunset date is January 1, 2027, per the federal government's 2024 extension — confirm the current status before relying on this, since it has been extended before and could change again.
How much down payment do I need as a newcomer?
The standard federal minimum applies to newcomers the same as anyone else: 5% of the purchase price up to $500,000, and 10% on the portion between $500,000 and $1.5 million (properties above $1.5 million aren't eligible for CMHC-insured mortgages at all). What's different for newcomers is credit history — if you don't have a Canadian credit file yet, CMHC will consider an international credit report or a reference letter from your bank in your home country, alongside a minimum credit score of 600 for at least one applicant or guarantor.
Will I pay extra tax as a non-resident buyer in Ontario?
Ontario's Non-Resident Speculation Tax (NRST) is 25% of the purchase price for buyers who aren't Canadian citizens or permanent residents, on top of regular land transfer tax — and in Toronto specifically, an additional 10% municipal NRST applies on top of that. You're fully exempt if you're an Ontario Immigrant Nominee Program nominee, a protected person or Convention refugee, or the spouse of a citizen, PR, nominee or protected person. If none of those apply but you go on to become a permanent resident within four years of your purchase, you can apply for a full NRST rebate — but you must apply within 180 days of getting PR status, and missing that window forfeits the rebate.
Does buying property help my immigration application?
Not in most cases. Property ownership isn't a scored factor in Express Entry or the large majority of points-based permanent residence programs — buying a home doesn't add CRS points. In a small number of specific programs, or in discretionary reviews, it may be one relevant piece of context, but this depends entirely on which program you're applying under. Talk to your RCIC about your specific file before treating a property purchase as an immigration strategy rather than a housing decision.
Should I rent or buy while my PR application is still in progress?
There's no universal answer — it depends on your timeline, budget, and how settled your plans are. Renting keeps you flexible and avoids the non-resident tax exposure described above if your status hasn't changed yet. Buying can make sense if you're confident in your timeline and location, especially once you're closer to or already have PR status. Our real estate and immigration teams can walk through your specific situation together rather than treating it as a purely financial or purely immigration decision.
Fara Homayoonkhah
CENTURY 21 Heritage Group · 8+ Years Experience · English & Farsi
Fara Homayoonkhah works directly alongside the ITC iLand immigration team to ensure your property strategy aligns with your permanent residency and immigration goals.
Tư vấn Đầu tư
Investing in Canadian real estate involves market analysis, financing, and — for newcomers — rules specific to your immigration status (see the FAQ above). Our in-house specialists coordinate that process; we don't provide investment or financial advice, and recommend involving a licensed financial advisor for portfolio-level decisions.
- Canadian real estate market orientation
- Coordination with mortgage brokers for rate & structuring options
- Cross-border purchase logistics
- Immigration consultant alignment — property strategy that reflects your actual file
Lợi thế ITC iLand
Unlike standalone real estate agencies, our property specialists work directly alongside our licensed immigration consultants (RCICs) — so your buying strategy reflects what's actually true for your immigration pathway, not a generic claim about what property ownership does for a file.
We manage coordination with mortgage brokers, real estate lawyers, tax accountants and selling agents — one seamless experience from consultation to key handoff.
Bài viết & Tin tức Thị trường Bất động sản
Latest analysis, buying tips and Canadian real estate market news.
Sẵn sàng Đầu tư vào Bất động sản Canada?
Book a free consultation with our real estate and immigration specialists. We will identify which property type best fits your immigration profile and investment goals.