Newcomers to Canada seeking mortgages can benefit from assistance in understanding real estate costs and building equity instead of paying rent. Individuals looking for higher loan amounts of over $1 million with at least 20% down payment saved, or more flexibility with as little as 5% down, can find the best rates and mortgage options. Homebuyer incentive programs and down payment assistance are explained, with access to a variety of lenders for custom-tailored products. Even those with limited credit or employment history can secure the best rate with innovative tools for an efficient first-time home buying experience.