We specialize in providing mortgages for newcomers to Canada, helping them understand the Canadian real estate market and the associated costs involved, such as closing costs and adjustment costs. Our goal is to help newcomers build equity instead of paying rent, taking advantage of employment and credit sources. We can assist in finding the best rates and mortgage options for newcomers seeking higher loan amounts (over $1 million), with a minimum down payment of 20%, and even offer more flexibility with a down payment as low as 5%. Additionally, we will guide you through homebuyer incentive programs and down payment assistance options. As we have access to all of Canada's top lenders, including large banks, mortgage finance companies, credit unions, and alternative financiers, we can design a customized product that meets your specific mortgage needs and locks in at the best rate, even if you face challenges with limited credit or employment history. To ensure an efficient first-time home buying experience, we provide access to innovative tools available in Canada.