We provide assistance to newcomers in understanding the Canadian real estate market, including closing and adjustment costs. Our goal is to help individuals build equity by owning a home rather than paying rent. We specialize in finding the best rates and mortgage options for newcomers looking for larger loan amounts (over $1 million) with at least a 20% down payment saved. We also offer flexibility on down payment, allowing as little as 5% down. In addition, we explain homebuyer incentive programs and down payment assistance options. We have access to all of Canada's top lenders, allowing 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 for reasons such as limited credit or employment history. We also provide access to innovative tools that make the first-time home buying experience efficient.