Fortunately, the mortgage terms acceptable enough: with an initial contribution of 10-15% of the total cost of buying bank interest is usually about 3,5-5,2%. In Canada, it is believed that money should be spent on the mortgage over 30% of their income, but immigrants are happy to exceed that mark, but we would become a perpetual tenants. But banks usually appoint an immigrant who has no credit history, a much higher percentage and a higher percentage of the initial contribution.