Mortgages are available for individuals who are new to Canada and are looking to understand the real estate market and associated costs. These mortgages aim to help newcomers build equity instead of paying rent, taking advantage of employment and credit sources. For those seeking higher loan amounts (over $1 million), there are options available with a minimum down payment of 20%. There is also flexibility for those with a down payment as low as 5%. Additionally, homebuyer incentive programs and down payment assistance options will be explained. With access to top lenders in Canada, including banks, mortgage finance companies, credit unions, and alternative financiers, a custom-tailored mortgage product can be designed that fits individual needs and offers the best interest rate, even for those who may not qualify at their bank due to limited credit or employment history. Innovative tools are also accessible to facilitate an efficient first-time home buying experience.