SIN that starts with a ‘9’


For those with a SIN that starts with a ‘9’ as you are not Canadian citizens nor permanent residents, a lender cannot assist with your application as a Canadian citizen or permanent resident.

You would need to apply as a non-resident which can dramatically change the mortgage application, for example many traditional lenders needing a minimum down payment of 35% of the price of the property for non-resident applicants.

Please let me know when applying if your SIN starts with a ‘9’.

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About Andrew Thake

Andrew Thake is a seasoned mortgage broker with over 15 years of industry experience. He’s assisted more than 2,200 clients in finding their ideal mortgage solutions. Recognized for his excellence, Andrew has received high honours and awards, including the National Rookie of the Year from TD Canada Trust and recognition as a Top 10 Ottawa Mortgage Broker in 2023. He has also been inducted into the Hall of Fame at Dominion Lending Centres and has consistently received their Platinum Award during his tenure as a mortgage broker.

Andrew’s dedication lies in serving his clients and prioritizing their needs with an empathetic approach. Throughout the application process, he provides tailored, informed, and efficient services to ensure the best mortgage solutions for his client’s unique circumstances. The best part of Andrew’s job is when he gets to see the joy on his clients’ faces following their mortgage approval.

Why not make your mortgage experience a comfortable one?

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