We specialize in providing mortgages for newcomers to Canada, helping them navigate the complexities of Canadian real estate and understand the associated costs such as closing costs and adjustment costs. Our goal is to help these individuals build equity instead of paying rent, taking advantage of their employment and credit sources. We offer the best rates and mortgage options for newcomers seeking higher loan amounts (over $1 million) with a minimum 20% down payment saved. We also offer flexibility on down payment requirements, allowing for as little as 5% down. We are knowledgeable about homebuyer incentive programs and down payment assistance options, and we have access to all of Canada's top lenders, including banks, mortgage finance companies, credit unions, and alternative financers, allowing us to create a custom-tailored product that suits your specific mortgage needs. No matter the reason for not qualifying at your bank, such as limited credit or employment history, we can still secure you the best rate. Additionally, we provide access to innovative tools in Canada to ensure an efficient and smooth first-time home buying experience.