Mortgages for newcomers in Canada offer assistance in understanding the real estate market and associated costs such as closing costs and adjustment expenses. Instead of paying rent, newcomers can build equity and benefit from employment and credit sources. These mortgages also provide options for higher loan amounts, exceeding $1 million, with a minimum of 20% down payment saved. There is also flexibility for down payment; as little as 5% down may be accepted. Homebuyer incentive programs and down payment assistance options will be explained. With access to top lenders, including banks, mortgage finance companies, credit unions, and alternative financers, a customized mortgage product can be designed. This ensures the best rate even if the applicant's bank does not qualify them due to limited credit or employment history. Additionally, innovative tools are provided for an efficient first-time home buying experience in Canada.