Mortgages for newcomers to Canada aim to provide assistance in understanding the Canadian real estate market and all associated costs, such as closing costs and adjustment costs. The goal is to help newcomers build equity rather than pay rent, allowing them to benefit from their employment and credit sources. For newcomers looking for higher loan amounts, over $1 million, there are options available with at least a 20% down payment saved, and even more flexibility with a down payment as little as 5%. Additionally, homebuyer incentive programs and down payment assistance options will be explained. Access to all top lenders in Canada, including banks, mortgage finance companies, credit unions, and alternative financers, allows for the creation of a custom-tailored mortgage product that meets individual needs and locks in the best rate. Even if someone doesn't qualify at their bank due to limited credit or employment history, there are still options available. Plus, innovative tools are offered to provide an efficient first-time home buying experience.