We offer assistance to newcomers in understanding Canadian real estate and the associated costs, such as closing costs and adjustment costs. Our goal is to help newcomers build equity instead of paying rent by utilizing their employment and credit sources. For those looking for higher loan amounts (over $1 million), we can find the best rates and mortgage options, with a minimum down payment of 20%. However, we also offer flexibility on down payment requirements, with the possibility of as little as 5% down. Additionally, we can 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 financiers, we can customize a mortgage product that suits your needs. Even if you have limited credit and employment history and do not qualify at your bank, we can still secure the best rate for you. Lastly, we provide innovative tools in Canada to ensure an efficient first-time home buying experience.