Newcomers to Canada can benefit from mortgages that help them understand the Canadian real estate market and associated costs. It is possible to build equity instead of renting, taking advantage of employment and credit sources. For those looking for higher loan amounts, there are mortgage options available with at least a 20% down payment saved, or more flexibility on down payment with as little as 5% down. Homebuyer incentive programs and down payment assistance options will also be explained. With access to all of Canada’s top lenders, customized products can be designed that fit individual mortgage needs and lock in at the best rate, even if there are limited credit or employment history issues. Innovative tools are also available for an efficient and smooth first-time home buying experience.