Newcomers to Canada can benefit from mortgages that assist in understanding the real estate market and the associated costs. They can build equity rather than paying rent, utilizing employment and credit sources. For those looking for higher loan amounts, mortgages with at least a 20% down payment saved and more flexible options with as little as 5% down can be found. There are also homebuyer incentive programs and down payment assistance options available. With access to all major Canadian lenders, custom-tailored mortgages can be designed that suit specific needs. Innovative tools are available to make the first-time home buying experience efficient.