Assisting newcomers to Canada with understanding the real estate market and associated costs, including closing costs and adjustment costs, mortgages are offered to build equity rather than pay rent, benefiting from employment and credit sources. Providing information on the best rates and mortgage options for newcomers looking for higher loan amounts with at least a 20% down payment saved, and offering more flexibility on down payment with as little as 5% down. Explaining homebuyer incentive programs and down payment assistance options, access to all of Canada's top lenders allows for a custom-tailored product that fits mortgage needs and locks in at the best rate, even if one doesn't qualify at their bank due to limited credit or employment history. Utilizing innovative tools in Canada for an efficient first-time home buying experience is also available.