We specialize in providing mortgages for newcomers to Canada, helping them understand the Canadian real estate market and the costs associated with purchasing a home, such as closing costs and adjustment costs. Our goal is to help newcomers build equity instead of paying rent, taking advantage of their employment and credit sources. We offer the best rates and mortgage options for newcomers who are looking for higher loan amounts (over $1 million) and have saved at least a 20% down payment. We also offer flexibility on down payment, allowing for as little as 5% down. Additionally, we provide information on homebuyer incentive programs and down payment assistance options. With access to a wide range of lenders, including large banks, mortgage finance companies, credit unions, and alternative financiers, we can tailor a mortgage product that fits your needs and secure the best rate, even if you don't qualify at your bank due to limited credit and employment history. Lastly, we offer innovative tools that make the first-time home buying experience in Canada more efficient.