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Loan interest rate for high earner with low credit score

Has anyone experienced a similar situation?

I'm new to Canada so my credit score and accounts are relatively new. Planning to buy a house in the next 6 months. How strictly do lenders focus on the credit score? Will they ignore a low score if they can see that I have steady higher than average salary and good credit habits? My credit report shows that I pay all my bills on time, have a good credit utilization ratio (20-30%).

I moved over from the US and have a great score there. Would Canadian banks/lenders factor that in?

Somewhat related - I plan to close my oldest bank account yet since it's not worth the fees and low interest rate (savings). Is there a reason to keep it alive, in the context of applying for a home loan?

submitted by /u/samuraijack001
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source https://www.reddit.com/r/RealEstate/comments/w5aff3/loan_interest_rate_for_high_earner_with_low/
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