Newcomers to Canada can benefit from mortgages specifically designed for their unique circumstances, helping them navigate the Canadian real estate market and associated costs such as closing costs and adjustment costs. By choosing to build equity instead of renting, newcomers can take advantage of employment and credit sources to secure the best rates and mortgage options, even for loan amounts over $1 million with a minimum 20% down payment or as little as 5% down. Homebuyer incentive programs and down payment assistance options will also be explained to newcomers, with access to all of Canada's top lenders to customize a mortgage product that fits their needs and locks in the best rate possible, regardless of limited credit and employment history. Innovative tools are available to provide an efficient first-time home buying experience in Canada.