At Mortgages for People New to Canada, we aim to assist newcomers in understanding the Canadian real estate market and the associated costs such as closing costs and adjustment costs. Our goal is to help you build equity instead of paying rent, taking advantage of employment and credit sources. We specialize in finding the best rates and mortgage options for newcomers seeking higher loan amounts, requiring at least a 20% down payment saved, while also offering flexibility with as little as a 5% down payment. Additionally, we provide information on homebuyer incentive programs and down payment assistance options. With access to all of Canada's top lenders, including 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 don't qualify at your bank due to limited credit or employment history. We also provide innovative tools to ensure an efficient first-time home buying experience in Canada.