For newcomers to Canada, we are here to assist you in navigating the Canadian real estate market and understanding the associated costs. We will provide guidance on closing costs and adjustment costs, ensuring that you have a comprehensive understanding of the financial aspects of purchasing property in Canada. Furthermore, we understand the importance of building equity instead of paying rent, particularly as you benefit from employment opportunities and establish credit sources. We will help you find the best mortgage rates and options, particularly for higher loan amounts over $1 million. Additionally, we can provide flexibility on down payment requirements, with options as low as 5% down. We will also explain homebuyer incentive programs and down payment assistance options that are available. Our access to Canada's top lenders, including large banks, mortgage finance companies, credit unions, and alternative financers, allows us to design a custom-tailored mortgage product that suits your specific needs. Even if you do not qualify at your bank due to limited credit or employment history, we can secure the best rate for you. With access to innovative tools, we can ensure an efficient first-time home buying experience for you in Canada.