We specialize in providing mortgages for newcomers to Canada, helping them understand the Canadian real estate market and associated costs. Our goal is to help you build equity instead of paying rent, utilizing your employment and credit sources. We offer the best rates and mortgage options for newcomers seeking higher loan amounts, requiring a down payment of at least 20%. However, we also have flexibility when it comes to down payments, allowing for as little as 5% down. Additionally, we can provide information on homebuyer incentive programs and down payment assistance options. With access to all of Canada's top lenders, including banks, mortgage finance companies, credit unions, and alternative financers, we can design a customized mortgage product that suits your needs and secures the best rate. Even if you don't qualify at your bank due to limited credit or employment history, we have options for you. Trust us to provide innovative tools for an efficient first-time home buying experience.