We specialize in helping newcomers to Canada understand the ins and outs of the real estate market, including the various costs associated with buying a home. By choosing to build equity instead of paying rent, newcomers can benefit from their employment and credit sources. We also assist in finding the best rates and mortgage options for newcomers looking to borrow larger amounts (over $1 million) with a minimum down payment of 20%, but we also offer flexibility with a down payment as low as 5%. In addition, we provide information on homebuyer incentive programs and down payment assistance options. With access to all of Canada's top lenders, including banks, mortgage finance companies, credit unions, and alternative financers, we can create a customized mortgage product that fits your needs and locks in at the best rate, even if you have limited credit and employment history. Take advantage of our innovative tools for an efficient and successful first-time home buying experience.