We specialize in providing mortgages to individuals who are new to Canada. Our goal is to help newcomers understand the Canadian real estate market and the costs involved, such as closing costs and adjustment costs. We believe in building equity rather than paying rent, which can be beneficial for newcomers who have stable employment and credit sources. We can assist you in finding the best rates and mortgage options, especially for those looking for higher loan amounts (over $1 million) with a minimum down payment of 20%, or even as little as 5% down with more flexibility. We can also explain the homebuyer incentive programs and down payment assistance options available. With our access to Canada's top lenders, including large banks, mortgage finance companies, credit unions, and alternative financers, we can customize a mortgage product that suits your needs and secure the best rate possible, even if you don't qualify at your bank due to limited credit or employment history. Additionally, we offer innovative tools that aim to make your first-time home buying experience in Canada efficient.