https://rahuldoesmortgages.ca/assets/non-resident-foreign-buyer-mortgage-canada-jkSjzV-p.js

1import{c as y,j as e,L as a,n as b,bw as l,bx as s,by as i,bz as r,bA as u,bB as c,bC as w,bD as v,bE as N,bF as h,F as j,bG as k,C,P as A}from"./index-Dlj0clky.js";import{E as x}from"./earth-TqF48e9s.js";import{S as T}from"./shield-check-DqOhfVUq.js";import{B as S}from"./building-2-Bo5hk0st.js";import{S as m}from"./scale-VK0I_Pdz.js";import{T as E}from"./triangle-alert-CVpHJmn0.js";import{L as R}from"./landmark-BzhU3lOR.js";import{C as f}from"./circle-check-BsyVBYtL.js";import{A as B}from"./arrow-right-LqPL2X2G.js";const _=[["path",{d:"M17.8 19.2 16 11l3.5-3.5C21 6 21.5 4 21 3c-1-.5-3 0-4.5 1.5L13 8 4.8 6.2c-.5-.1-.9.1-1.1.5l-.3.5c-.2.5-.1 1 .3 1.3L9 12l-2 3H4l-1 1 3 2 2 3 1-1v-3l3-2 3.5 5.3c.3.4.8.5 1.3.3l.5-.2c.4-.3.6-.7.5-1.2z",key:"1v9wt8"}]],z=y("plane",_),d=i*u,g=i-d,P=g/i,I=2023,L="January 1, 2027",D=1e4,M=["Which side of the line you're actually on — citizen or PR abroad, versus a foreign national — because it changes the legal question before it changes the lending one","Whether the property sits inside a Census Metropolitan Area or Agglomeration, since that single fact can decide whether the purchase is permitted at all","Which lenders currently accept income from your specific country, in your specific currency, in your specific employment type","How your down payment gets to Canada and whether its source can be documented to a lender's satisfaction — this derails more files than the income does","What the full closing cost picture looks like with Nova Scotia's non-resident transfer tax included, before you commit to a price","Whether waiting for permanent residence would materially improve the terms, and what that delay actually costs you"];function p({items:t}){return e.jsx("ul",{className:"mt-4 space-y-2",children:t.map(n=>e.jsxs("li",{className:"flex gap-2 text-[14.5px] leading-relaxed text-charcoal/85",children:[e.jsx(f,{size:16,className:"mt-[3px] shrink-0 text-emerald-700"}),e.jsx("span",{children:n})]},n))})}function $(){return e.jsxs("div",{className:"bg-background",children:[e.jsx("div",{className:"mx-auto max-w-5xl px-5 pt-6 sm:px-8",children:e.jsx("nav",{"aria-label":"Breadcrumb",className:"text-[13px] text-charcoal/70",children:e.jsxs("ol",{className:"flex items-center gap-1.5",children:[e.jsx("li",{children:e.jsx(a,{to:"/",className:"hover:text-navy",children:"Home"})}),e.jsx("li",{"aria-hidden":"true",children:"/"}),e.jsx("li",{children:e.jsx(a,{to:"/resources",className:"hover:text-navy",children:"Resources"})}),e.jsx("li",{"aria-hidden":"true",children:"/"}),e.jsx("li",{className:"font-medium text-navy",children:"Non-Resident & Foreign Buyer Mortgages"})]})})}),e.jsxs("section",{className:"mx-auto max-w-5xl px-5 pb-8 pt-8 sm:px-8 sm:pt-12",children:[e.jsx("p",{className:"text-xs font-semibold uppercase tracking-[0.18em] text-charcoal",children:"CROSS-BORDER BUYERS · EXPLAINED"}),e.jsx("h1",{className:"mt-4 font-serif text-4xl font-medium leading-[1.05] tracking-tight text-navy sm:text-5xl",children:"Non-resident and foreign buyer mortgages in Canada"}),e.jsx("p",{className:"mt-5 max-w-3xl text-[17px] leading-relaxed text-charcoal/85",children:"Buying Canadian property from outside the country runs into two separate gates, and people routinely confuse them. The first is legal: are you even permitted to buy this particular property right now? The second is financial: will a Canadian lender fund it, and on what terms? A Canadian citizen in Dubai clears the first gate effortlessly and still struggles with the second. A foreign national looking at a cottage outside Truro may be fine on both. Here's how each gate actually works."}),e.jsx("p",{className:"mt-3 max-w-2xl text-[13.5px] leading-relaxed text-charcoal/60",children:"Educational only — not legal, tax, or immigration advice. The federal prohibition and the provincial taxes described here have changed more than once and can change again. Anyone buying as a non-resident needs a Canadian real estate lawyer engaged before the offer is firm."})]}),e.jsxs("section",{className:"mx-auto max-w-5xl px-5 pb-12 sm:px-8 sm:pb-16",children:[e.jsx("h2",{className:"font-serif text-2xl text-navy sm:text-3xl",children:'"Non-resident" and "foreign buyer" are not the same thing'}),e.jsx("p",{className:"mt-3 max-w-3xl text-[15.5px] leading-relaxed text-charcoal/85",children:"These two terms get used interchangeably and they shouldn't be. They answer different questions, they're governed by different rules, and mixing them up is how buyers end up researching the wrong problem for a month."}),e.jsxs("div",{className:"mt-5 grid gap-4 sm:grid-cols-2",children:[e.jsxs("div",{className:"rounded-2xl border border-border bg-card p-6",children:[e.jsxs("div",{className:"flex items-start gap-3",children:[e.jsx("div",{className:"flex h-10 w-10 shrink-0 items-center justify-center rounded-xl bg-navy/5 text-navy",children:e.jsx(z,{size:18})}),e.jsx("h3",{className:"font-serif text-[18px] leading-snug text-navy",children:"Non-resident: a status about where you live"})]}),e.jsx("p",{className:"mt-3 text-[14.5px] leading-relaxed text-charcoal/80",children:"A Canadian citizen or permanent resident whose life, income, and tax residency sit outside Canada. Legally free to buy anything, anywhere in the country. The obstacle is purely a lending one: foreign income, no Canadian credit file, and a lender that can't easily pursue assets abroad."})]}),e.jsxs("div",{className:"rounded-2xl border border-border bg-card p-6",children:[e.jsxs("div",{className:"flex items-start gap-3",children:[e.jsx("div",{className:"flex h-10 w-10 shrink-0 items-center justify-center rounded-xl bg-navy/5 text-navy",children:e.jsx(x,{size:18})}),e.jsx("h3",{className:"font-serif text-[18px] leading-snug text-navy",children:"Foreign national: a status about citizenship"})]}),e.jsxs("p",{className:"mt-3 text-[14.5px] leading-relaxed text-charcoal/80",children:["Neither a Canadian citizen nor a permanent resident, whether living overseas or already here on a permit. This person faces the lending hurdles above ",e.jsx("em",{children:"and"})," the federal prohibition — which may block the purchase outright depending on the property, its location, and whether an exemption applies."]})]})]}),e.jsxs("div",{className:"mt-5 flex items-start gap-3 rounded-2xl border border-gold/40 bg-gold/5 p-5 sm:p-6",children:[e.jsx(T,{size:18,className:"mt-[3px] shrink-0 text-gold","aria-hidden":!0}),e.jsxs("p",{className:"text-[14.5px] leading-relaxed text-charcoal/85",children:[e.jsx("span",{className:"font-semibold text-navy",children:"The distinction that matters most:"})," the federal ban keys off citizenship and permanent residence only. Your tax residency, visa history, and years spent in Canada don't change the answer. If you hold citizenship or PR, the prohibition simply doesn't reach you — no matter where you've been living."]})]})]}),e.jsxs("section",{className:"mx-auto max-w-5xl px-5 pb-12 sm:px-8 sm:pb-16",children:[e.jsx("h2",{className:"font-serif text-2xl text-navy sm:text-3xl",children:"Where the foreign buyer ban stands right now"}),e.jsxs("p",{className:"mt-3 max-w-3xl text-[15.5px] leading-relaxed text-charcoal/85",children:["The ",e.jsx("em",{children:"Prohibition on the Purchase of Residential Property by Non-Canadians Act"})," came into force on January 1, ",I," as a two-year measure. In February 2024 the federal government announced a two-year extension, pushing the expiry from January 1, 2025 out to ",e.jsx("span",{className:"font-semibold text-navy",children:L}

1),". As of this writing the Act remains in force and no further extension has been announced — but this is exactly the kind of deadline that has already moved once, so treat the date as current information rather than a guarantee and confirm the status with your lawyer before you plan a purchase around it."]}),e.jsx("p",{className:"mt-3 max-w-3xl text-[15.5px] leading-relaxed text-charcoal/85",children:"The Act is narrower than its nickname suggests. It doesn't prohibit non-Canadians from owning Canadian real estate generally — it prohibits certain purchases, of certain property types, in certain places. Four limits do most of the work:"}),e.jsx("div",{className:"mt-5 grid gap-4 sm:grid-cols-2",children:[{icon:b,title:"Geography decides a lot",body:"The prohibition applies within Census Metropolitan Areas and Census Agglomerations. Residential property outside those Statistics Canada boundaries isn't captured — which is why much of rural Atlantic Canada stays open."},{icon:S,title:`Only ${l} units or fewer`,body:`"Residential property" is defined as buildings with ${l} dwelling units or less, including semi-detached homes and condo units. Buildings with 4 or more units fall outside the prohibition entirely.`},{icon:m,title:"It restricts buying, not owning",body:"Property a non-Canadian already owns isn't affected, and neither is inheriting one. The Act targets the act of purchase."},{icon:E,title:"The penalty has teeth",body:`A contravention can bring a fine of up to ${s(D)} and — more seriously — a court order forcing the sale of the property. Anyone who knowingly assists is exposed too.`}].map(({icon:t,title:n,body:o})=>e.jsxs("div",{className:"rounded-2xl border border-border bg-card p-5 sm:p-6",children:[e.jsxs("div",{className:"flex items-start gap-3",children:[e.jsx("div",{className:"flex h-10 w-10 shrink-0 items-center justify-center rounded-xl bg-navy/5 text-navy",children:e.jsx(t,{size:18})}),e.jsx("h3",{className:"font-serif text-[18px] leading-snug text-navy",children:n})]}),e.jsx("p",{className:"mt-3 text-[14.5px] leading-relaxed text-charcoal/80",children:o})]},n))}),e.jsx("h3",{className:"mt-8 font-serif text-xl text-navy",children:"Who's exempt"}),e.jsx("p",{className:"mt-3 max-w-3xl text-[15.5px] leading-relaxed text-charcoal/85",children:"Several categories of people sit outside the prohibition even when buying inside a restricted area. The broad strokes:"}),e.jsx(p,{items:["Temporary residents holding a valid work permit or work authorization, where the conditions in the regulations are met","International students who satisfy the criteria set out for study permit holders","Refugees and protected persons under the Immigration and Refugee Protection Act","A non-Canadian buying jointly with a spouse or common-law partner who is a Canadian citizen, permanent resident, registered Indian, or otherwise exempt","Accredited diplomats, consular staff, and members of international organizations in Canada"]}),e.jsx("p",{className:"mt-4 max-w-3xl text-[14.5px] leading-relaxed text-charcoal/70",children:"The exemption criteria are detailed and were amended after the Act came into force — particularly the work permit conditions. Don't self-assess against a summary like this one; have a lawyer confirm your specific situation against the current regulations before you sign anything."}),e.jsxs("p",{className:"mt-4 max-w-3xl text-[15.5px] leading-relaxed text-charcoal/85",children:["If you're a newcomer already living and working here, the exemption route is usually the relevant one, and the financing side has its own dedicated programs. The"," ",e.jsx(a,{to:"/blog/new-to-canada-mortgage-canada-guide",className:"font-medium text-navy underline-offset-4 hover:underline",children:"new-to-Canada mortgage guide"})," ","covers those in depth, and"," ",e.jsx(a,{to:"/services/new-to-canada-mortgage",className:"font-medium text-navy underline-offset-4 hover:underline",children:"our newcomer mortgage service"})," ","is where most permit holders should start — those files often look nothing like the non-resident files described below."]})]}),e.jsxs("section",{className:"mx-auto max-w-5xl px-5 pb-12 sm:px-8 sm:pb-16",children:[e.jsx("h2",{className:"font-serif text-2xl text-navy sm:text-3xl",children:"What financing looks like once you clear the legal gate"}),e.jsxs("p",{className:"mt-3 max-w-3xl text-[15.5px] leading-relaxed text-charcoal/85",children:["Non-resident lending is a small, quiet corner of the Canadian market. Only a portion of lenders participate, the ones that do publish little about it, and the terms reflect that every one of these files is uninsured. Default insurance from CMHC, Sagen, and Canada Guaranty is generally unavailable to non-resident borrowers, which removes the mechanism that makes low down payments possible for everyone else — see the"," ",e.jsx(a,{to:"/mortgage-default-insurance-canad

1a",className:"font-medium text-navy underline-offset-4 hover:underline",children:"default insurance guide"})," ","for why that single fact drives so much of the pricing."]}),e.jsxs("div",{className:"mt-6 rounded-2xl border border-border bg-cream/40 p-6 sm:p-7",children:[e.jsx("p",{className:"text-[11px] font-semibold uppercase tracking-[0.16em] text-gold",children:"Worked example · a typical non-resident purchase in Halifax"}),e.jsxs("h3",{className:"mt-2 font-serif text-2xl text-navy",children:[s(i)," property, ",r(u)," down"]}),e.jsxs("ul",{className:"mt-4 space-y-1.5 text-[15px] leading-relaxed text-charcoal/85",children:[e.jsxs("li",{children:["Down payment required: ",e.jsx("span",{className:"font-semibold text-navy",children:s(d)})]}),e.jsxs("li",{children:["Mortgage amount: ",e.jsx("span",{className:"font-semibold text-navy",children:s(g)})," ","(loan-to-value ",r(P),")"]}),e.jsxs("li",{children:["Nova Scotia non-resident deed transfer tax at ",r(c),":"," ",e.jsx("span",{className:"font-semibold text-navy",children:s(w)})]}),e.jsxs("li",{children:["Halifax municipal deed transfer tax at ",(v*100).toFixed(1),"%:"," ",e.jsx("span",{className:"font-semibold text-navy",children:s(N)})]}),e.jsxs("li",{children:["Transfer tax at closing, combined:"," ",e.jsx("span",{className:"font-semibold text-navy",children:s(h)})]})]}),e.jsxs("p",{className:"mt-3 text-[14.5px] leading-relaxed text-charcoal/80",children:["So before legal fees, adjustments, or an inspection, this buyer needs roughly"," ",e.jsx("span",{className:"font-semibold text-navy",children:s(d+h)})," in cash on the table. The transfer tax alone is more than the entire down payment a resident first-time buyer would need on the same house — which is precisely the point of the tax."]}),e.jsx("p",{className:"mt-3 text-[14px] leading-relaxed text-charcoal/70",children:"Illustration only, using Nova Scotia's non-resident rate for agreements signed after March 31, 2025 and Halifax's municipal rate. Buyers who move to Nova Scotia within six months of closing may qualify for an exemption or refund of the provincial portion. Confirm current rates with your lawyer."})]}),e.jsx("h3",{className:"mt-8 font-serif text-xl text-navy",children:"The documentation reality"}),e.jsx("p",{className:"mt-3 max-w-3xl text-[15.5px] leading-relaxed text-charcoal/85",children:"Underwriters build confidence from evidence, and a non-resident file gives them less of it by default. Expect the paper trail to be two or three times what a domestic borrower provides, and expect timelines to stretch accordingly:"}),e.jsx(p,{items:["Foreign employment letters, pay records, and home-country tax filings — often translated and notarized","An international credit report pulled from your home country's bureau, or an alternative credit profile built from rent, utilities, and banking references","A documented down payment trail, typically 90 days of history, showing where the money came from and how it reached Canada","A Canadian bank account, since most lenders require payments to be drawn domestically","Reserves beyond the down payment — some lenders want several months to a full year of payments, taxes, and heating held in reserve","Photo identification meeting Canadian anti-money-laundering standards, sometimes verified in person or through a notary abroad"]}),e.jsxs("p",{className:"mt-4 max-w-3xl text-[15.5px] leading-relaxed text-charcoal/85",children:["Everything still has to clear"," ",e.jsx(a,{to:"/mortgage-stress-test-canada",className:"font-medium text-navy underline-offset-4 hover:underline",children:"the stress test"}),", which applies to uninsured mortgages too — so your qualifying calculation uses a rate above the one you're actually paying. And because so much depends on which lender you approach, a"," ",e.jsx(a,{to:"/pre-approval-vs-pre-qualification",className:"font-medium text-navy underline-offset-4 hover:underline",children:"real pre-approval rather than a pre-qualification"})," ","matters more here than in almost any other scenario."]})]}),e.jsxs("section",{className:"mx-auto max-w-5xl px-5 pb-12 sm:px-8 sm:pb-16",children:[e.jsx("h2",{className:"font-serif text-2xl text-navy sm:text-3xl",children:"What each Atlantic province adds on top"}),e.jsx("p",{className:"mt-3 max-w-3xl text-[15.5px] leading-relaxed text-charcoal/85",children:"The federal prohibition is only one layer. Provinces run their own policies, and in this region they diverge sharply — Nova Scotia is among the most expensive places in the country to close as a non-resident, while its neighbours take entirely different approaches."}),e.jsx("div",{className:"mt-5 grid gap-4 sm:grid-cols-3",children:[{icon:R,title:"Nova Scotia",body:`A Non-Resident Provincial Deed Transfer Tax of ${r(c)}, raised from 5% for agreements signed after March 31, 2025. It applies to residential property of ${l} units or fewer on the higher of price or assessed value, stacks on the municipal deed transfer tax, and can be exempted or refunded if the buyer moves to Nova Scotia within six months of closing.`},{icon:j,title:"New Brunswick",body:"No separate non-resident surcharge. Buyers pay the standard flat Real Property Transfer Tax on the greater of purchase price or assessed value — the same rate a resident pays. That makes the province notably cheaper to close in for a non-resident than Nova Scotia currently is."},{icon:m,title:"Prince Edward Island",body:"PEI's restriction isn't a tax. Under the Lands Protection Act, a non-resident needs approval from Executive Council before acquiring land beyond set acreage and shore-frontage limits — a genuine consent process with its own timeline that must be built into the closing schedule."}].map(({icon:t,title:n,body:o})=>e.jsxs("div",{className:"rounded-2xl border border-border bg-card p-5 sm:p-6",children:[e.jsxs("div",{className:"flex items-start gap-3",children:[e.jsx("div",{className:"flex h-10 w-10 shrink-0 items-center justify-center rounded-xl bg-navy/5 text-navy",children:e.jsx(t,{size:18})}),e.jsx("h3",{className:"font-serif text-[18px] leading-snug text-navy",children:n})]}),e.jsx("p",{className:"mt-3 text-[14.5px] leading-relaxed text-charcoal/80",children:o})]},n))}),e.jsxs("p",{className:"mt-5 max-w-3xl text-[15.5px] leading-relaxed text-charcoal/85",children:["For the resident-facing rates behind all of this, the"," ",e.jsx(a,{to:"/land-transfer-tax-nova-scotia-new-brunswick-pei",className:"font-medium text-navy underline-offset-4 hover:underline",children:"three-province land transfer tax guide"})," ","has a live calculator. City-level detail lives on the"," ",e.jsx(a,{to:"/halifax-mortgage-broker",className:"font-medium text-navy underline-offset-4 hover:underline",children:"Halifax"}),","," ",e.jsx(a,{to:"/moncton-mortgage-broker",className:"font-medium text-navy underline-offset-4 hover:underline",children:"Moncton"}),", and"," ",e.jsx(a,{to:"/charlottetown-mortgage-broker",className:"font-medium text-navy underline-offset-4 hover:underline",children:"Charlottetown"})," ","pages. Buyers looking further west should note that British Columbia layers on its own additional property transfer tax for foreign purchasers in designated areas plus a speculation and vacancy tax — see the"," ",e.jsx(a,{to:"/british-columbia",className:"font-medium text-navy underline-offset-4 hover:underline",children:"British Columbia page"}),"."]})]}),e.jsxs("section",{className:"mx-auto max-w-5xl px-5 pb-12 sm:px-8 sm:pb-16",children:[e.jsx("h2",{className:"font-serif text-2xl text-navy sm:text-3xl",children:"After closing: what changes"}),e.jsx("p",{className:"mt-3 max-w-3xl text-[15.5px] leading-relaxed text-charcoal/85",children:"Non-resident status follows the mortgage, not just the purchase. If the property is rented out, Canadian withholding obligations apply to the rental income and the arrangement needs to be set up properly from the start — an accountant, not a broker, is the right advisor there. On the mortgage side, renewals and refinances get re-underwritten against whatever your status is at that time, so a borrower who has since become a permanent resident often finds a materially better market waiting."}),e.jsxs("p",{className:"mt-3 max-w-3xl text-[15.5px] leading-relaxed text-charcoal/85",children:["That cuts the other way too. A resident borrower who moves abroad mid-term is usually fine until maturity, but should expect the next"," ",e.jsx(a,{to:"/mortgage-renewal-vs-refinance-vs-switching-lenders",className:"font-medium text-navy underline-offset-4 hover:underline",children:"renewal or lender switch"})," ","to be assessed on non-resident terms. If you're planning to pull equity out later, read"," ",e.jsx(a,{to:"/services/refinance",className:"font-medium text-navy underline-offset-4 hover:underline",children:"how refinancing works"})," ","with the understanding that the lender list shrinks considerably once you're offshore."]})]}),e.jsxs("section",{className:"mx-auto max-w-5xl px-5 pb-12 sm:px-8 sm:pb-16",children:[e.jsx("h2",{className:"font-serif text-2xl text-navy sm:text-3xl",children:"Common questions"}),e.jsx("div",{className:"mt-6 space-y-3",children:k.map((t,n)=>e.jsxs("details",{open:n===0,className:"group rounded-2xl border border-border bg-card p-5 sm:p-6",children:[e.jsx("summary",{className:"cursor-pointer list-none font-serif text-[18px] leading-snug text-navy marker:hidden",children:t.q}),e.jsx("p",{className:"mt-3 text-[14.5px] leading-relaxed text-charcoal/85",children:t.a})]},t.q))})]}),e.jsx("section",{className:"mx-auto max-w-5xl px-5 pb-12 sm:px-8 sm:pb-16",children:e.jsxs("div",{className:"rounded-2xl border border-border bg-card p-6 sm:p-8",children:[e.jsx("h2",{className:"font-serif text-2xl text-navy sm:text-3xl",children:"What Rahul actually looks at with you"}),e.jsx("p",{className:"mt-3 max-w-3xl text-[15.5px] leading-relaxed text-charcoal/85",children:"Cross-border files fail slowly. The problems are almost always visible at the start and only become expensive at closing, so the first conversation is about eliminating dead ends rather than chasing rates:"}),e.jsx("ul",{className:"mt-5 grid gap-3 sm:grid-cols-2",children:M.map(t=>e.jsxs("li",{className:"flex gap-2 text-[14.5px] leading-relaxed text-charcoal/85",children:[e.jsx(f,{size:16,className:"mt-[3px] shrink-0 text-emerald-700"}),e.jsx("span",{children:t})]},t))}),e.jsxs("p",{className:"mt-5 flex items-start gap-2 text-[14px] leading-relaxed text-charcoal/70",children:[e.jsx(x,{size:15,className:"mt-[3px] shrink-0 text-navy","aria-hidden":!0}),e.jsx("span",{children:"Sometimes the honest answer is that the file doesn't work today — the country your income comes from isn't one any current lender accepts, or the property sits inside a restricted area with no exemption available. You'll hear that plainly and early, rather than after three weeks of document gathering. Where there is a path, it's usually a specific lender rather than a general strategy, and finding it is the job."})]})]})}),e.jsx("section",{className:"mx-auto max-w-5xl px-5 pb-16 sm:px-8 sm:pb-24",children:e.jsxs("div",{className:"rounded-2xl border border-border bg-cream p-6 text-center sm:p-10",children:[e.jsx("h2",{className:"font-serif text-3xl font-medium leading-tight text-navy sm:text-4xl",children:"Buying in Canada from abroad?"}),e.jsx("p",{className:"mx-auto mt-4 max-w-2xl text-[16px] leading-relaxed text-charcoal/85",children:"Send your status, the country your income comes from, and the area y

1ou're looking in. You'll get a straight read on whether the purchase is permitted, which lenders would realistically consider the file, and what the full cash-to-close looks like with provincial taxes included — before you write an offer."}),e.jsxs("div",{className:"mt-6 flex flex-col items-center justify-center gap-3 sm:flex-row",children:[e.jsxs(a,{to:"/book",className:"inline-flex items-center gap-2 rounded-full bg-navy px-6 py-3 text-[15px] font-semibold text-background transition-colors hover:bg-navy/90",children:[e.jsx(C,{size:18,"aria-hidden":!0})," Book a free call with Rahul",e.jsx(B,{size:16,"aria-hidden":!0})]}),e.jsxs("a",{href:"tel:+19022238003",className:"inline-flex items-center gap-2 rounded-full border-2 border-navy bg-background px-6 py-3 text-[15px] font-semibold text-navy transition-colors hover:bg-secondary/40",children:[e.jsx(A,{size:18,"aria-hidden":!0})," Call or text Rahul"]})]}),e.jsx("p",{className:"mt-4 text-[12.5px] text-charcoal/60",children:"902-223-8003 · NS Broker #3000996 · NB License #260053601 · AB RECA #LIC-00668583 · BC Broker #MB612306 · Ontario License #M26001833 (FSRA)"})]})})]})}export{$ as component};