We offer assistance to newcomers in understanding the Canadian real estate market and the associated costs, such as closing costs and adjustment costs. We encourage newcomers to build equity by purchasing a home instead of renting, as they can benefit from employment and credit sources. For those looking for higher loan amounts (over $1 million), we can help find the best rates and mortgage options, with at least a 20% down payment saved. Additionally, we can provide more flexibility on down payment options, allowing for as little as a 5% down payment. We also explain homebuyer incentive programs and down payment assistance options. With access to all of Canada's top lenders, including banks, mortgage finance companies, credit unions, and alternative financers, we can design a custom-tailored mortgage product that suits the individual's needs and locks in at the best rate. This is especially beneficial for those who may not qualify at their bank due to limited credit and employment history. Furthermore, our clients have access to innovative tools in Canada, ensuring an efficient and successful first-time home buying experience.