Newcomers to Canada can benefit from mortgage options tailored to their specific needs, with assistance in understanding the real estate market and associated costs. By choosing to build equity rather than rent, newcomers can take advantage of employment and credit sources to find the best rates and loan options, including higher loan amounts with flexible down payment options. Homebuyer incentive programs and down payment assistance are also available. With access to a variety of lenders, including major banks and credit unions, custom-tailored mortgage products can be designed to fit individual needs and secure the best rates, even for those with limited credit or employment history. Innovative tools are offered for an efficient first-time home buying experience.