We specialize in providing mortgages to individuals who are new to Canada. Our goal is to help newcomers navigate the Canadian real estate market and understand the associated costs, such as closing costs and adjustment costs. We believe in building equity rather than paying rent, allowing our clients to benefit from employment and credit sources. We offer the best rates and mortgage options for newcomers seeking higher loan amounts (over $1 million) with a minimum of 20% down payment saved, and also provide flexibility on down payment with as little as 5% down. In addition, we explain homebuyer incentive programs and down payment assistance options. With access to all of Canada's top lenders, including large banks, mortgage finance companies, credit unions, and alternative financers, we can create a custom-tailored mortgage product that meets your needs and locks in the best rate, even if you do not qualify at your bank due to limited credit or employment history. Our innovative tools ensure an efficient first-time home buying experience in Canada.