For newcomers to Canada, we offer assistance in understanding the ins and outs of Canadian real estate, including closing costs and adjustment costs. By choosing to build equity instead of paying rent, newcomers can benefit from employment and credit sources. We can help newcomers find the best rates and mortgage options, particularly for those seeking higher loan amounts (over $1 million) with a minimum down payment of 20%. However, we also offer more flexibility on down payment requirements, allowing as little as 5% down. We are knowledgeable about homebuyer incentive programs and down payment assistance options. With access to all of Canada's top lenders, including banks, mortgage finance companies, credit unions, and alternative financers, we can design a customized mortgage product that suits your needs, even if you have limited credit or employment history that may disqualify you from a conventional bank loan. Additionally, we provide innovative tools to streamline the first-time home buying process for an efficient experience.