Newcomers to Canada can benefit from mortgages designed specifically for them, helping them understand the real estate market, closing costs, and adjustment costs. By building equity rather than renting, newcomers can take advantage of employment and credit sources to secure the best rates and mortgage options, even for high loan amounts over $1 million with at least a 20% down payment or as little as 5% down. Homebuyer incentive programs and down payment assistance options are also available, along with access to Canada's top lenders for customized mortgage products. Innovative tools are provided for a smooth first-time home buying experience, even for those with limited credit or employment history.