For those new to Canada, we provide assistance in understanding the Canadian real estate market and the associated costs such as closing costs and adjustment costs. We encourage newcomers to build equity by purchasing a home instead of renting, taking advantage of employment and credit sources. We can help find the best rates and mortgage options for those looking to borrow larger amounts (over $1 million) with a minimum down payment of 20%, but we also offer more flexibility on down payment with as little as 5% down. We are knowledgeable about homebuyer incentive programs and down payment assistance options, and have access to a wide range of lenders including major banks, mortgage finance companies, credit unions, and alternative financers. Even if you don't qualify at a traditional bank due to limited credit or employment history, we can still provide you with a custom-tailored mortgage product at the best rate. Additionally, we offer access to innovative tools in Canada to streamline the first-time home buying process.