For newcomers to Canada, we offer assistance in understanding the Canadian real estate market and the costs associated with it, such as closing costs and adjustment costs. Instead of renting, we encourage building equity by taking advantage of employment and credit sources. We can help newcomers find the best mortgage rates and options, especially for loan amounts over $1 million, with a minimum 20% down payment saved. We also provide flexibility on down payment requirements, allowing for as little as 5% down. Additionally, we will explain the available homebuyer incentive programs and down payment assistance options. With access to Canada's top lenders, including banks, mortgage finance companies, credit unions, and alternative financers, we can design a customized mortgage product that meets your needs and secures the best rate, even if you have limited credit or employment history. Moreover, we provide innovative tools to ensure an efficient first-time home buying experience in Canada.