At Mortgages for People New to Canada, we aim to assist newcomers in understanding the Canadian real estate market and the associated costs, including closing costs and adjustment costs. We believe in helping new arrivals build equity instead of paying rent, allowing them to benefit from employment and credit sources. Additionally, we specialize in finding the best rates and mortgage options for newcomers seeking higher loan amounts, with at least a 20% down payment saved. We also offer more flexibility on down payment, allowing for as little as 5% down. Our team is well-versed in homebuyer incentive programs and down payment assistance options, ensuring that our clients are well-informed. We have access to all of Canada's top lenders, including large banks, mortgage finance companies, credit unions, and alternative financers, enabling us to design a custom-tailored mortgage product that fits your needs and locks in the best rate, even if you don't qualify at your bank due to limited credit and employment history. Finally, we provide access to innovative tools in Canada to ensure an efficient first-time home buying experience.