We specialize in providing mortgages for newcomers to Canada, helping them navigate the real estate market and understand the associated costs such as closing costs and adjustment costs. Our goal is to help newcomers build equity rather than pay rent, utilizing the benefits of their employment and credit sources. We offer the best rates and mortgage options for those seeking higher loan amounts (over $1 million) with a minimum 20% down payment saved, and even provide more flexibility on down payment with as little as 5% down. Furthermore, we educate our clients about homebuyer incentive programs and down payment assistance options. As we have access to all of Canada's top lenders, including large banks, mortgage finance companies, credit unions, and alternative financers, we can customize a mortgage product to fit your needs and secure the best rate, even if you don't qualify at your bank due to limited credit or employment history. Lastly, we provide innovative tools to ensure an efficient and successful first-time home buying experience in Canada.