We assist newcomers to Canada in navigating the real estate market, helping them understand costs such as closing and adjustment fees. By securing a mortgage, newcomers can build equity rather than continue renting, leveraging their employment and credit sources. We offer guidance on finding the best mortgage rates and options, including for higher loan amounts over $1 million with at least a 20% down payment, or more flexible plans with as little as 5% down. We explain homebuyer incentive programs and down payment assistance, providing access to Canada’s top lenders—including banks, credit unions, and alternative financers—to create customized mortgage solutions, even for those with limited credit or employment history. Innovative tools streamline the first-time home buying process for newcomers.