Mortgages for newcomers in Canada aim to provide assistance in understanding the Canadian real estate market, as well as the associated closing costs and adjustment costs. Instead of renting, newcomers are encouraged to build equity by taking advantage of employment and credit sources. Additionally, there are options available for higher loan amounts (over $1 million) with at least a 20% down payment, or as little as 5% down with more flexibility. Homebuyer incentive programs and down payment assistance options will be explained. Regardless of limited credit or employment history, access to all of Canada's top lenders allows for a custom-tailored mortgage product at the best rate. Innovative tools are provided to ensure an efficient first-time home buying experience.