Our program aims to assist newcomers in understanding the Canadian real estate market and its associated costs, such as closing costs and adjustment costs. We encourage newcomers to build equity rather than pay rent, taking advantage of their employment and credit sources. We specialize in finding the best rates and mortgage options for newcomers looking for loan amounts over $1 million, with at least a 20% down payment saved. We also offer flexibility on down payments, with as little as 5% down. We will provide information on homebuyer incentive programs and down payment assistance options. As mortgage brokers, we have access to all of Canada's top lenders, including large banks, mortgage finance companies, credit unions, and alternative financiers. This allows us to design a custom-tailored mortgage solution that fits your needs and locks in the best rate, even if you don't qualify at your bank due to reasons such as limited credit and employment history. We also offer innovative tools that can make the first-time home buying experience in Canada more efficient.