Newcomers to Canada can benefit from mortgage services that help them understand Canadian real estate costs, including closing and adjustment costs. By building equity rather than paying rent, newcomers can take advantage of employment and credit sources. These services can also help find the best rates and mortgage options for those seeking higher loan amounts, with at least 20% down payment saved or the option for as little as 5% down. Furthermore, information regarding homebuyer incentive programs and down payment assistance options will be provided. These services have access to top lenders in Canada, enabling a custom-tailored product that fits each individual's mortgage needs, even if limited credit or employment history are factors. With innovative tools available, newcomers can have an efficient and successful first-time home buying experience.