If you have moved to Canada within the last 60 months and is already a permanent resident, the mortgage qualification process is different from that of someone who has been in Canada for more than 5 years.
You may have a permanent full time job or have created your own business and pay your bills on time. At the same time you may not have file (credit cards or installment loans) that lenders use to approve for a traditional mortgage.
Up to your first 60 months in Canada as long as you have a minimum of 5% downpayment and can qualify for a mortgage based on your credit and income, you can use your bill payment history as a part of the qualification process.
You will have to be a permanent resident, employed for at least 3 months and not be on probation and to be eligible for a new to Canada mortgage.