Expat Mortgage - Canada
Canada is a significant British expat destination - particularly Toronto (finance), Vancouver (tech and lifestyle), and Calgary (energy sector).
UK mortgages from Canada
The Canadian dollar is accepted by specialist UK expat lenders with a moderate haircut. CRA (Canada Revenue Agency) Notice of Assessment provides the comprehensive income evidence that supports a UK mortgage application from Canada.
The options we compare
Canada BTL Expat
UK buy-to-let from Canada. CAD income accepted. CRA Notice of Assessment as income evidence. All major specialist expat lenders include Canada on their acceptance lists.
CRA Notice of Assessment
The CRA Notice of Assessment (NOA) is the Canadian equivalent of a UK P60 or self-assessment return - the CRA's official confirmation of assessed income. Two years of NOAs plus payslips and bank statements form the standard income evidence package for Canada-based applicants.
Alberta Energy Sector
UK expats in Calgary's energy sector. Often high CAD salaries with contract and rotational work structures. Contractor income from Canadian energy companies assessed with 2 years of T4 slips and NOAs.
Toronto Finance Professionals
Finance, consulting, and professional services in Toronto. CAD salary with bonus. Standard employed income evidence (T4 slip + NOA + bank statements).
Vancouver Lifestyle and Tech
Technology companies and lifestyle expats in Vancouver. USD and CAD income from tech companies. Evidence structure similar to Toronto.
Remortgage from Canada
Remortgaging a UK property from Canada. Full remote process. Canadian solicitor or notary for identity verification.
How We Help
Canadian income review
Province, employment type, currency (CAD vs USD for some tech roles), and CRA filing history.
Lender comparison
Canada on all major specialist lender acceptance lists. Full panel comparison.
Documentation
CRA NOA (2 years), T4 slip, payslips (3 months), Canadian bank statements (3-6 months), passport.
Remote completion
Full remote process from Canada. Time zone difference (EST to PST - 5 to 8 hours behind UK) managed through advance scheduling.
Speak to our international mortgage specialists
Call 0204 6211776 · Whole-of-market access · All expat locations · FCA No. 814533
Frequently asked questions
Can I get a UK mortgage while living in Canada?
Yes - Canada is on all major specialist expat lender acceptance lists. CAD is accepted with a moderate haircut (typically 15-20%). CRA income evidence is well-understood. We arrange UK mortgages for Canada-based expats regularly.
How is RRSP income treated for UK mortgage assessment?
RRSP (Registered Retirement Savings Plan) balances contribute to your net worth picture but are not typically assessed as income (contributions are locked in until retirement, with early withdrawal attracting significant Canadian tax penalties). RRSP values are useful context for specialist lender applications but are not usable as a deposit without triggering Canadian tax consequences.
I work on a rotational contract in Canada's energy sector. How is my income assessed?
Rotational and contract income in the energy sector is assessed on the average of 2 years of income - confirmed through T4 slips, CRA NOA, and bank statements showing regular pay credits. Gaps between contracts within a consistent 2-year pattern are acceptable if the overall income is demonstrably stable. We advise on presenting rotational income most favourably.
Can I use Canadian savings in a TFSA as a deposit?
Yes - funds held in a TFSA (Tax-Free Savings Account) are accessible (no penalty for withdrawal unlike RRSP) and can be used as a mortgage deposit. Bank statements showing the TFSA balance and the planned withdrawal, plus evidence of accumulation over time, are the required documentation.
What SDLT applies to Canada-based buyers of UK property?
Canada-based buyers are non-UK residents. The 2% non-resident SDLT surcharge applies. For BTL: stacks with 5% additional dwelling surcharge and standard rates.