In Canada, a 30-year mortgage is available to both citizens and permanent residents who meet specific lender criteria. Borrowers must demonstrate financial stability, a strong credit score, and sufficient income to manage the long-term repayment schedule. Non-residents and foreigners can also qualify but often face stricter requirements, such as a larger down payment and higher interest rates. Lenders assess the borrower’s debt-to-income ratio, employment history, and overall financial health. Consulting with mortgage brokers or financial advisors can help navigate the process and find lenders offering 30-year terms, making homeownership more accessible with lower monthly payments spread over a longer period.