Mortgages for newcomers in Canada aim to assist them in understanding the local real estate market and its associated costs, such as closing costs and adjustment costs. By opting for a mortgage instead of renting, newcomers can build equity while benefiting from employment and credit sources. These mortgage options cater to those seeking higher loan amounts (over $1 million) with at least a 20% down payment saved, and also provide flexibility with down payments as low as 5%. In addition, we provide information on homebuyer incentive programs and down payment assistance options. Access to a wide range of lenders allows us to design a customized mortgage product that fits your needs and offers the best rate, regardless of limitations such as limited credit and employment history. Furthermore, innovative tools are available to ensure an efficient first-time home buying experience.