We specialize in assisting newcomers to Canada in understanding the ins and outs of Canadian real estate, including the associated costs such as closing costs and adjustment costs. We believe in helping newcomers build equity rather than 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, with a minimum down payment of 20%, or even the flexibility of a down payment as low as 5%. We will guide you through homebuyer incentive programs and down payment assistance options. We have access to all of Canada's top lenders, including banks, mortgage finance companies, credit unions, and alternative financiers, allowing us to design a specialized mortgage product that fits your needs and locks in at the best rate, even if you don't qualify at your bank due to limited credit and employment history. We also provide access to innovative tools to ensure an efficient first-time home buying experience in Canada.