For newcomers to Canada, we offer assistance in understanding the Canadian real estate market and its associated costs, such as closing costs and adjustment costs. We encourage newcomers to build equity instead of paying rent, taking advantage of their employment and credit sources. We also help them find the best rates and mortgage options, especially for those looking for higher loan amounts over $1 million, with a minimum down payment of 20%. However, we also offer more flexibility on down payment requirements, allowing for as little as 5% down. Additionally, we provide information on 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 create a customized mortgage product that fits your needs and secures the best rate, even if you don't qualify at your bank due to limited credit and employment history. We also provide innovative tools to ensure an efficient first-time home buying experience in Canada.