We specialize in providing mortgages for newcomers to Canada, offering assistance in understanding the Canadian real estate market and associated costs such as closing costs and adjustment costs. Our goal is to help you build equity instead of paying rent, taking advantage of employment and credit sources. We can help you find the best rates and mortgage options, even for higher loan amounts of over $1 million, with a down payment of at least 20% or as little as 5% if you prefer more flexibility. We will also explain homebuyer incentive programs and down payment assistance options. With access to all of Canada's top lenders, including banks, credit unions, and alternative financers, we can design a custom-tailored mortgage product that fits your needs and locks in at the best rate, even if you have limited credit or employment history that may disqualify you at traditional banks. Additionally, we provide access to innovative tools in Canada to ensure a smooth and efficient first-time home buying experience.