We specialize in providing mortgages for people new to Canada, helping them understand the Canadian real estate market and associated costs such as closing costs and adjustment costs. Our goal is to help newcomers build equity instead of paying rent, taking advantage of employment and credit sources. We offer the best rates and mortgage options for those looking for higher loan amounts (over $1 million), with a minimum of 20% down payment saved or the flexibility to choose as little as 5% down payment. We also inform our clients about homebuyer incentive programs and down payment assistance options. With access to all of Canada's top lenders, including large banks, mortgage finance companies, credit unions, and alternative financers, we can create a custom-tailored product that fits your mortgage needs and locks in the best rate, even if you don't qualify at your bank due to limited credit or employment history. Additionally, we provide innovative tools and resources for an efficient first-time home buying experience in Canada.