At Mortgages for People New to Canada, we strive to assist newcomers in understanding the Canadian real estate market and associated costs, including closing costs and adjustment costs. Our aim is to help you build equity rather than pay rent, taking advantage of employment and credit sources. We specialize in finding the best rates and mortgage options for newcomers seeking higher loan amounts, with at least a 20% down payment saved. However, we also offer more flexibility on down payment requirements, with options for as little as 5% down. We will guide you through homebuyer incentive programs and down payment assistance options. With access to a wide range of lenders, including large banks, mortgage finance companies, credit unions, and alternative financiers, we can design a custom-tailored mortgage product that suits your needs, even if you don't qualify at your bank due to limited credit or employment history. Take advantage of our innovative tools to ensure an efficient first-time home buying experience.