Mortgages for newcomers in Canada provide assistance in understanding the real estate market and its associated costs, such as closing and adjustment costs. Instead of renting, newcomers can build equity by taking advantage of employment and credit sources. There are options available for higher loan amounts (over $1 million) with a minimum down payment of 20%, or as low as 5% with more flexibility. Homebuyer incentive programs and down payment assistance options will be explained. Regardless of limited credit and employment history, we can provide access to all of Canada's top lenders, including banks, mortgage finance companies, credit unions, and alternative financers, to design a custom-tailored mortgage product that suits your needs. Innovative tools are also available to ensure a smooth first-time home buying experience in Canada.