Mortgages are available for newcomers to Canada, helping them navigate the real estate market and understand costs like closing and adjustment costs. Instead of renting, newcomers can start building equity by taking advantage of employment and credit sources. Options for higher loan amounts (over $1 million) are available for those with at least 20% down payment saved, while more flexibility is offered with as little as 5% down. Homebuyer incentive programs and down payment assistance can also be explained. Access to top lenders allows for custom-tailored mortgage products at the best rates, even for those with limited credit or employment history. Innovative tools are provided for a smooth first-time home buying experience.