At Mortgages for People New to Canada, we provide assistance to newcomers in understanding Canadian real estate and the associated costs involved, such as closing costs and adjustment costs. Our goal is to help you build equity rather than pay rent, taking advantage of employment and credit sources. We also strive to find the best rates and mortgage options for newcomers who are looking for higher loan amounts, with a minimum of 20% down payment saved. We can even offer more flexibility on down payments, with as little as 5% down. Additionally, we will 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 suits your needs and locks in the best rate, even if you don't qualify at your current bank due to limited credit and employment history. Finally, we offer innovative tools to ensure an efficient first-time home buying experience.