Newcomers to Canada can benefit from getting mortgages to understand Canadian real estate and related costs while building equity instead of renting. Assistance is available to find the best rates and options for higher loan amounts (over $1 million) with various down payment options starting at 5%. Homebuyer incentive programs and down payment assistance are also explained. Access to all top lenders in Canada including banks, mortgage finance companies, credit unions, and alternative financers allows for customized mortgage products tailored to individual needs and locking in the best rate even if traditional bank qualifications are not met. Innovative tools are also available for a smooth first-time home buying experience.