For newcomers to Canada, we offer assistance in understanding the Canadian real estate market and the associated costs such as closing costs and adjustment costs. Instead of renting, we help individuals build equity by guiding them towards employment and credit sources. We also help newcomers find the best rates and mortgage options, particularly for loan amounts exceeding $1 million, with a minimum down payment of 20% or as little as 5% depending on flexibility. Additionally, we provide information on homebuyer incentive programs and down payment assistance options. Our access to various lenders, including large banks, mortgage finance companies, credit unions, and alternative financers, allows us to design a customized mortgage product that suits your specific needs, even if you face challenges like limited credit or employment history. By utilizing innovative tools available in Canada, we ensure a smooth and efficient first-time home buying experience for our clients.