Mortgages are available for newcomers to Canada, helping them understand the Canadian real estate market and associated costs such as closing costs and adjustment costs. Instead of renting, newcomers can build equity and benefit from employment and credit sources. The best rates and mortgage options are available for newcomers looking for higher loan amounts, with at least a 20% down payment saved. There is also flexibility on down payment, with as little as 5% down. Homebuyer incentive programs and down payment assistance options will be explained. Access to all of Canada's top lenders, including large banks, mortgage finance companies, credit unions, and alternative financers, ensures that a custom-tailored mortgage product can be designed to meet individual needs, even if there are limitations in credit and employment history. Innovative tools are available in Canada to make the first-time home buying experience efficient.