Mortgages are available for people who are new to Canada and are looking to understand the country's real estate market and associated costs. This includes closing costs and adjustment costs. By choosing a mortgage, newcomers can build equity instead of paying rent, taking advantage of employment and credit sources. We can help newcomers find the best rates and mortgage options, even for higher loan amounts over $1 million. Down payment flexibility is also offered, with options starting at just 5% down. We can explain 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 create a customized mortgage product that meets your needs and locks in the best rate. Even if you have limited credit or employment history and are unable to qualify at your bank, we can still assist you. We also provide innovative tools to make the first-time home buying experience efficient.