We specialize in assisting newcomers to Canada with understanding the Canadian real estate market and associated costs such as closing costs and adjustment costs. Our goal is to help newcomers build equity by owning a home instead of paying rent, utilizing their employment and credit sources. We can help find the best rates and mortgage options for newcomers who are looking for higher loan amounts, such as over $1 million, with a minimum down payment of 20%. We can also provide more flexibility on down payment requirements, with as little as 5% down. We will also explain the various homebuyer incentive programs and down payment assistance options available. As an independent mortgage broker, we have access to all of Canada's top lenders, including large banks, mortgage finance companies, credit unions, and alternative financers. This allows us to design a custom-tailored mortgage product that fits your specific 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 offer innovative tools in Canada to provide an efficient and seamless first-time home buying experience.