Mortgages for newcomers to Canada are available to help them understand the country's real estate and associated costs. This includes learning about closing costs and adjustment costs. By opting for a mortgage instead of renting, newcomers can build equity and benefit from employment and credit sources. For those looking for higher loan amounts of over $1 million, there are options available with at least a 20% down payment saved. There is also flexibility in down payment requirements, allowing for as little as a 5% down payment. Assistance is provided in understanding homebuyer incentive programs and down payment assistance options. We have access to all of Canada's top lenders and can help design a custom-tailored mortgage product that fits individual needs. Even if someone does not qualify for a mortgage at their bank due to limited credit or employment history, we can still secure the best rate. Additionally, innovative tools are available in Canada to ensure a smooth and efficient first-time home buying experience.