We specialize in providing mortgages for individuals who are new to Canada. Our goal is to assist newcomers in understanding the Canadian real estate market and the associated costs, such as closing costs and adjustment costs. We believe in helping our clients build equity rather than paying rent, allowing them to benefit from their employment and credit sources. Additionally, we are able to find the best rates and mortgage options for newcomers who are looking for higher loan amounts, with at least a 20% down payment saved. We also offer more flexibility on down payments, allowing for as little as 5% down. We are knowledgeable about homebuyer incentive programs and down payment assistance options, and we can design a custom-tailored mortgage product that meets your needs and locks in at the best rate, even if you do not qualify at your bank due to limited credit and employment history. We have access to all of Canada's top lenders, including large banks, mortgage finance companies, credit unions, and alternative financiers. Finally, we are equipped with innovative tools in Canada to provide an efficient first-time home buying experience.