Mortgages for newcomers to Canada provide assistance in understanding Canadian real estate and associated costs such as closing and adjustment costs. Instead of renting and paying monthly fees, newcomers can build equity by benefiting from employment and credit sources. For those looking for higher loan amounts, there are options available with at least a 20% down payment saved and flexibility on down payment, with as little as 5% down. Additionally, homebuyer incentive programs and down payment assistance options will be explained. Access to all of Canada's top lenders allows for custom-tailored mortgage products and the ability to secure the best rates, even if an individual does not qualify at their bank due to limited credit or employment history. Innovative tools in Canada can also be accessed to ensure an efficient first-time home buying experience.