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https://stories.brookfieldresidential.com/homebuyersschool/can-you-buy-a-house-without-a-down-payment
At one time, you could buy a home in Canada at zero down. That program's been removed. The alternative to that program now is what's called a flex down mortgage. What that means is that you're able to use a line of credit or credit card or personal loan and use that towards your down payment. It's a specialized program. Not all banks offer it.
https://loanscanada.ca/mortgage/no-down-payment-mortgages/
Purchasing a home with no down payment saved doesn’t mean that you don’t have to make a down payment; it simply means that you’re not using your own hard-earned and saved cash to pay for the down payment. It means you’re going to borrow your down payment (at least 5% in Canada), which in return means you’re taking on even more debt. This is why it’s important that you’re in good financial …
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https://www.koho.ca/learn/buy-a-house-with-no-down-payment/
Down payments are a good gauge as to whether you can afford a home or not. It’s possible to get a zero down payment mortgage in Canada, but it involves borrowing the down payment, which can be financially dangerous. By opting for a zero down payment mortgage, you’ll have no home equity cushion.
https://www.ratehub.ca/blog/can-i-get-a-no-down-payment-mortgage/
The only approach available today, called Flex Down, requires you to use your credit card, or another line of credit, to borrow your minimum down payment, typically 5% – 10%. As you might imagine, these loans are riskier and more expensive than traditional mortgages. *Minimum down payments range from 5% to 20% depending on the purchase price.
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