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. We encourage newcomers to build equity instead of paying rent, taking advantage of employment and credit sources. Additionally, we help them find the best rates and mortgage options, particularly for higher loan amounts (over $1 million) with a down payment of at least 20% saved. We also provide flexibility on down payment, allowing for as little as 5% down. We explain homebuyer incentive programs and down payment assistance options to our clients. With access to all of Canada's top lenders, including large banks, mortgage finance companies, credit unions, and alternative financiers, we can design a custom-tailored mortgage product that meets your needs and locks in the best rate, even if you have limited credit and employment history, and do not qualify at your bank for any reason. We also provide access to innovative tools in Canada to ensure an efficient first-time home-buying experience.