We provide assistance to newcomers in understanding the Canadian real estate market and the associated costs, such as closing costs and adjustment costs. Our goal is to help newcomers build equity instead of paying rent, taking advantage of their employment and credit sources. For those seeking higher loan amounts (over $1 million), we can find the best rates and mortgage options with a down payment of at least 20% saved, and we offer more flexibility on down payment with as little as 5% down. We will also explain homebuyer incentive programs and down payment assistance options. We have access to all of Canada's top lenders, including large banks, mortgage finance companies, credit unions, and alternative financiers, allowing us to design a custom-tailored product that fits your mortgage needs and locks in at the best rate. Even if you don't qualify at your bank due to limited credit and employment history, we can still assist you. Additionally, we provide access to innovative tools in Canada for an efficient first-time home buying experience.