Newcomers to Canada can benefit from mortgages tailored to their needs, helping them navigate the real estate market and associated costs like closing and adjustment costs. By building equity instead of renting, newcomers can take advantage of employment and credit sources to secure the best rates and mortgage options, even for higher loan amounts over $1 million with a 20% down payment or as little as 5% down. Homebuyer incentive programs and down payment assistance options will be explained, with access to all of Canada's top lenders to design a custom-tailored product that fits individual mortgage needs and secures the best rate, regardless of limited credit or employment history. Innovative tools are available for an efficient first-time home buying experience.