Newcomers to Canada can receive assistance in understanding the Canadian real estate market and associated costs such as closing costs and adjustment costs. Instead of renting, they can build equity and benefit from employment and credit sources. For those looking for higher loan amounts over $1 million, there are mortgage options available with at least a 20% down payment saved, and even more flexibility with a down payment as low as 5%. We can also explain 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 financiers, we can create a customized product that suits specific mortgage needs and locks in at the best rate, even if the individual does not qualify at their bank due to limited credit or employment history. Newcomers can also take advantage of innovative tools in Canada to ensure an efficient first-time home buying experience.