We are sniffing around mortgages in Alberta, even went so far as to go to an appointment in my spouses bank. She was pre-approved for 250K zero down even with outstanding commitments, but I had NOTHING to do with it, nor could I. We are looking at houses in a higher bracket, so naturally, we asked the question. Once I have 3 wage checks and can prove my income AND have PR (OWP does not count) then I can be assessed on her application, and be co-signer, obviously this would increase the mortgage available. I should add in my case, even now, I have Canadian credit cards, issued by my own bank from when I was working here before (the accounts are now 3 years old), that we still make minimum payments on and keep functioning, this was a deliberate move to keep a positive credit history. Even this made not a shred of difference, the magic thing is the PR SIN as far as credit is concerned, this is what the advisor told us...until then, as you stated, as far as they are concerned, you do not exist.
