How to Buy a Home in Canada from India

I’m Mohit Dhillon, a licensed Calgary REALTOR® with Century 21 Bravo Realty. I help buyers purchasing from outside Canada (including clients based in India) by making the process structured and simple: we start with eligibility clarity, then confirm a realistic financing and down payment plan, then build a shortlist based on neighbourhood value—not just what looks good online. From there, I coordinate showings (including virtual options when appropriate), guide offer strategy and condition timelines, and keep your closing plan organized with the right professionals (lawyer, mortgage, insurance, and property management if you plan to rent). The goal is straightforward: reduce risk, avoid low-quality inventory, and move quickly when the right home appears.

FAQ’s

Can I buy a home in Canada while living in India?
Yes, people can purchase while living abroad, but your ability to buy certain residential properties can depend on your legal status in Canada and federal rules that apply to “non-Canadians” in certain areas.

Do federal rules restrict non-residents from buying in Calgary?
Calgary is a census metropolitan area. Federal restrictions can apply to certain residential properties in CMAs/CAs if you are considered a “non-Canadian,” with specific exceptions and definitions that need to be checked before you shop seriously.

What down payment do I need in Canada?
Minimum down payment rules depend on purchase price and whether the mortgage is insured. In general, Canada’s standard minimum down payment framework starts at 5% (with tiered calculations above certain price points), but your actual requirement may be higher depending on residency, lender policy, and credit/income verification.

Can I get a mortgage in Canada from India?
Some buyers can, but requirements vary widely by lender and by your income/credit profile. The practical move is to confirm the mortgage path early so your property search matches what you can close on.

What documents do I typically need if I’m buying from India?
Common requirements include identity verification, income documentation, down payment proof, and a clear funds trail. Lenders and legal teams may require additional documents depending on your status and the transaction structure.

How do I transfer funds to Canada for a down payment?
Plan for documentation. Canada has anti–money laundering requirements and you should expect to provide proof of where funds came from, how they moved, and timing that aligns with your lender and closing requirements.

Can I complete the purchase without travelling to Canada?
Often, yes—remote closings may be possible depending on your lawyer, lender, and document verification requirements. The key is to plan this early so timelines don’t get tight near possession.

If I rent the home, what tax issues should I know about as a non-resident?
Non-resident rental income typically involves withholding and reporting rules. Many non-residents work with a property manager/agent for withholding/remittance, and there are CRA elections that may allow tax to be calculated on net income rather than gross (depending on your situation).