We specialize in providing mortgages for individuals who are new to Canada. Our services include helping newcomers understand the Canadian real estate market, as well as the associated closing and adjustment costs. We believe in the importance of building equity rather than paying rent, and we can help newcomers take advantage of their employment and credit sources to achieve this. We also offer the best rates and mortgage options for newcomers who are looking for loan amounts over $1 million, with a minimum down payment of 20%. However, we can also provide more flexibility in down payment requirements, allowing for as little as 5% down. Additionally, we are knowledgeable about homebuyer incentive programs and down payment assistance options, and we can guide our clients through these programs. As a mortgage broker, we have access to all of Canada's top lenders, which includes large banks, mortgage finance companies, credit unions, and alternative financers. This allows us to design a tailored mortgage product that meets the specific needs of our clients, even if they don't qualify at their bank due to reasons such as limited credit or employment history. Finally, we offer innovative tools that can provide an efficient and seamless experience for first-time home buyers in Canada.