At Mortgages for People New to Canada, we specialize in assisting newcomers in understanding the Canadian real estate market and associated costs, such as closing costs and adjustment costs. Our goal is to help newcomers build equity instead of paying rent, allowing them to benefit from employment and credit sources. We can also help newcomers find the best rates and mortgage options, especially for higher loan amounts over $1 million, with at least a 20% down payment saved. Additionally, we provide information about homebuyer incentive programs and down payment assistance options. 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 that suits your needs and locks in the best rate. Even if you have limited credit or employment history and don't qualify at your bank, we can still help you through innovative tools available in Canada for an efficient first-time home buying experience.