We specialize in providing mortgages to people who are new to Canada. Our goal is to help newcomers understand the Canadian real estate market and the various costs associated with buying a home, such as closing costs and adjustment costs. By building equity through homeownership, newcomers can benefit from employment opportunities and establish credit sources. We offer the best rates and mortgage options for those looking to borrow larger amounts (over $1 million), with a requirement of at least a 20% down payment saved. However, we also provide more flexibility on the down payment, allowing for as little as 5% down. Additionally, we can explain homebuyer incentive programs and options for down payment assistance. With access to all of Canada's top lenders, including large banks, mortgage finance companies, credit unions, and alternative financers, we can design a custom-tailored mortgage product to meet your specific needs and secure the best rate. Even if you don't qualify at your bank due to limited credit or employment history, we can still help. Furthermore, we offer innovative tools to ensure an efficient and seamless first-time home buying experience in Canada.