Mortgages for newcomers to Canada are available to help them understand the ins and outs of the Canadian real estate market and associated costs. These mortgages allow newcomers to build equity instead of paying rent, utilizing their employment and credit sources. With options for higher loan amounts (over $1 million) and flexibility on down payments, newcomers can find the best rates and mortgage options. In addition, homebuyer incentive programs and down payment assistance options are explained to help newcomers navigate the process. With access to all of Canada's top lenders, including large banks, mortgage finance companies, credit unions, and alternative financers, these mortgages are custom-tailored to individual needs and lock in at the best rates, even if traditional banks may not qualify newcomers due to limited credit and employment history. Innovative tools in Canada are also available to ensure an efficient first-time home buying experience.