Newcomers to Canada can benefit from mortgage services that help them understand the Canadian real estate market and the costs involved in buying property. Such services aim to help clients build equity instead of paying rent, taking advantage of employment and credit sources. Newcomers seeking higher loan amounts of over $1 million can benefit from flexible down payment options, with a minimum of 5% down, and assistance programs available to them. These services tap into various top lenders and financing options to design customized products according to clients' mortgage needs, locking in at the best rate even if the client faces limited credit and employment history. Innovative tools are also available to ensure an efficient and stress-free first-time home buying experience.