At Mortgages for People New to Canada, we aim to help newcomers understand the Canadian real estate market and associated costs such as closing costs and adjustment costs. Instead of renting, we encourage newcomers to build equity by taking advantage of employment and credit sources. We can help newcomers find the best mortgage rates and options, particularly for higher loan amounts exceeding $1 million, with a minimum down payment of 20%. However, we also offer flexibility on down payments, allowing for as little as 5% down. Additionally, we explain homebuyer incentive programs and down payment assistance options to our clients. With access to Canada's top lenders, including banks, mortgage finance companies, credit unions, and alternative financers, we ensure that we can provide a custom-tailored mortgage product that meets our clients' needs and secures the best rate. Our services are available even if our clients face challenges such as limited credit and employment history, as we have innovative tools to assist in a seamless first-time home buying experience.