Mortgages for People New to Canada offers assistance to newcomers by providing guidance on Canadian real estate and the associated costs, such as closing costs and adjustment costs. By opting for a mortgage instead of paying rent, newcomers can build equity and benefit from employment and credit sources. The organization also helps newcomers find the best rates and mortgage options, specifically for those seeking higher loan amounts (over $1 million) with a minimum of 20% down payment saved. Alternatively, there is more flexibility on down payment, allowing for as little as 5% down. Homebuyer incentive programs and down payment assistance options are explained to potential buyers. Mortgages for People New to Canada has access to top lenders across Canada, including large banks, mortgage finance companies, credit unions, and alternative financiers. This allows them to design custom-tailored mortgage products, even for individuals who may not qualify at their bank due to limited credit and employment history. The organization also provides access to innovative tools in Canada to ensure an efficient first-time home buying experience.