Can UK citizens buy property in Canada?

Yes, though some provinces have foreign buyer restrictions and additional taxes. We'll advise on rules specific to your target location.

What deposit do I need?

Typically 35% for non-resident buyers in Canada.

Do I need a Canadian bank account?

Yes, for mortgage payments and property expenses. Opening a Canadian account from the UK is usually straightforward.

Is Canadian property a good investment?

Major Canadian cities have seen strong long-term appreciation, though the market has cooled from its 2022 peak. Rental yields vary significantly by location.

Canadian Property Mortgages

Canadian property offers strong investment potential. We help UK buyers navigate Canadian mortgage options and lending requirements.

Buying Property in Canada

Canada's property market attracts UK buyers for investment, retirement, and lifestyle. Canadian banks offer mortgages to non-residents, typically requiring 35% deposit and proof of income. Some specialist UK lenders also offer finance secured against Canadian property. The process differs from UK purchases — with different legal systems, property taxes, and foreign buyer regulations varying by province.

Canadian bank and UK specialist lender options
Investment and relocation property finance
Province-specific foreign buyer rules navigated
Tax implications for UK residents explained
100% fee-free overseas mortgage advice

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Tell us about the property

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Property Value (£) *

Deposit Amount (£)

Annual Household Income (£)

Your home may be repossessed if you do not keep up repayments on your mortgage.

Canadian Mortgage Options

Non-resident buyers can obtain mortgages from major Canadian banks (TD, RBC, BMO) at competitive rates. Typical requirements include 35% deposit, proof of UK income, Canadian credit check, and property appraisal. Terms of 25-30 years are standard.

Foreign Buyer Restrictions

Some Canadian provinces have introduced foreign buyer taxes and restrictions. British Columbia and Ontario charge additional transfer taxes for foreign buyers. Federal restrictions on non-resident purchases may also apply. We'll advise on current rules affecting your target province.

Currency and Tax

Borrowing in CAD while earning in GBP creates exchange rate risk. Canadian rental income is taxable in Canada, and UK residents must also declare worldwide income to HMRC (with double taxation relief available).

The Purchase Process

Canadian property purchases typically complete within 30-90 days. You'll need a Canadian lawyer, property inspection, and title insurance. The process varies by province — Quebec uses a civil law system different from the rest of Canada.