We offer assistance to newcomers in understanding Canadian real estate and its associated costs, such as closing costs and adjustment costs. Instead of renting, we help newcomers build equity by utilizing employment and credit sources. We specialize in finding the best rates and mortgage options for newcomers who are looking for higher loan amounts (over $1 million) and have saved at least a 20% down payment. We also provide flexibility on down payment, with options as little as 5% down. Additionally, we explain homebuyer incentive programs and down payment assistance options available. With access to all of Canada's top lenders, including large banks, mortgage finance companies, credit unions, and alternative financers, we can design a custom-tailored mortgage product that suits your needs and locks in at the best rate, even if you don't qualify at your bank due to limited credit and employment history. We also provide access to innovative tools in Canada for a smooth and efficient first-time home buying experience.