Monday, September 14 at 11:00 AM EDT

Canadian Non-Resident

Real Estate Tax & Mortgage

Free Webinar

Canadian Non-Resident

Real Estate Tax & Mortgage

Free Webinar

We break down exactly how to navigate the real challenges non-residents face when buying, selling, and financing real estate in Canada, plus the 2026 tax implications every non-resident needs to understand while living in the US, Europe, the UK, mexico and more.

We break down exactly how to navigate the real challenges non-residents face regarding financing real estate and the 2026 tax implications.

Who this Webinar is For

Non-resident Canadians, Soon to be non-resident Canadians who currently own real estate or who are looking to purchase real estate in Canada.

Canadians Living abroad in major expat hubs who currently own rentals/second‑homes in Canada.

The Problem Non-Residents Face

Non-resident Canadians often hit a wall when trying to refinance, pull equity or qualify for a new mortgage in Canada. Tradtional lending rules weren't designed for people earning income abroad. With updated tax rules, foreign buyer restrictions, and lender policy changes, non‑residents need clear guidance.

Common mortgage challenges include:

- No Canadian tax returns filed

- Income earned in another country that lenders don’t know how to verify

- Limited lender options willing to work with non‑residents

- Difficulty accessing home equity from existing Canadian properties

- Confusion around second homes vs rental properties

- Higher down payment requirements (20–35%)

- Unclear credit requirements for U.S. or international credit bureaus

What This Webinar Actually Solves

Non-resident Canadians face two hurdles, qualifying for mortgage financing using foreign income and understanding the tax rules that impact it. This webinar gives you a clear roadmap for both.

- Access home equity from your Canadian property - even while living abroad

- Qualify for mortgage financing using income earned in another country

- Know what taxes apply and how to stay compliant

- Know how to plan your next purchase, refinance or sale with confidence.

What you'll learn

If you’ve ever wondered “Can I buy in Canada while living abroad?” or “How do lenders treat my foreign income?” this webinar is for you.

- Can I buy in Canada while living abroad

- Can I pull equity from rental or second home in Canada

- What are my options when my mortgage comes up for renewal in Canada when I'm no longer a resident

- Can I use my non-Canadian income to qualify for a mortgage in Canada

- What are my tax implications when selling Canadian real estate as a non-resident

- What are my tax implications if I decide to keep my former primary residence as a second home or investment property

Meet Your Speakers

Your speakers for this session are Ruby Chouhan, tax accountant and Koukun Unosawa, mortgage agent, bringing industry knowledge and actionable takeaways for non-resident Canadians to move forward with confidence.

Ruby Chouhan

Tax Accountant, Founder & President

Ruby Chouhan is the Founder and President of 360 Global Tax Advisors, a boutique Canadian tax firm specializing in international tax matters for Canadian expatriates and non-residents. 

Her firm assists clients in 30+ countries with Canadian tax residency, departure and arrival planning, non-resident compliance, real estate taxation, Section 116 Certificates of Compliance, Section 216 filings, foreign-property reporting and other cross-border tax matters.

Her focus is making complex Canadian tax matters clear, practical and manageable for Canadians living and investing around the world.

Koukun Unosawa

Mortgage Agent, Level 2

Koukun started in real estate as a landlord in 2013, purchasing his first rental property and eventually buying and selling over ten investment properties. That experience showed him firsthand how real estate can transform a family’s financial future.

Over the past decade, Koukun has worked as a mortgage specialist, real estate investor, licensed realtor, and team leader supporting more than 300 clients in purchasing or selling their homes.

Today, he is a Licensed Mortgage Agent with Synergy Mortgage Group (Lic #13172), focused on delivering a smooth, stress‑free mortgage experience through clear communication, proactive follow‑up, and direct access whenever questions come up.

On a personal note, he's also a loving husband and father that LOVES spending time with his family.

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