We specialize in helping newcomers to Canada navigate the real estate market and understand the various costs involved, such as closing costs and adjustment costs. Our goal is to help these individuals build equity rather than paying rent, taking advantage of their employment and credit sources. For those looking for higher loan amounts (over $1 million), we can find the best rates and mortgage options, requiring a minimum 20% down payment but also offering flexibility with as little as 5% down. Additionally, we can provide information on homebuyer incentive programs and down payment assistance options. With access to top lenders across Canada, including large banks, mortgage finance companies, credit unions, and alternative financers, we can create a customized mortgage solution that suits your needs and locks in the best rate, even if you have limited credit or employment history. Furthermore, we offer innovative tools to ensure a streamlined and efficient first-time home buying experience in Canada.