Our team specializes in helping newcomers to Canada navigate the complexities of the real estate market. We provide guidance on understanding the various costs involved in purchasing a property, such as closing costs and adjustment costs. Additionally, we emphasize the importance of building equity through homeownership rather than renting, allowing newcomers to take advantage of employment and credit sources. We also assist in finding the best mortgage rates and options, particularly for those seeking higher loan amounts with a minimum 20% down payment saved, although we also offer flexibility with down payments as low as 5%. We provide information on homebuyer incentive programs and down payment assistance options. Our extensive network of lenders, including large banks, mortgage finance companies, credit unions, and alternative financers, allows us to tailor a mortgage product that suits each client's needs, regardless of limited credit or employment history. Lastly, we offer access to innovative tools that enhance the home buying experience for first-time buyers.