We specialize in providing mortgages for newcomers to Canada, helping them understand the Canadian real estate market, closing costs, and adjustment costs. Our goal is to help newcomers build equity rather than pay rent, taking advantage of their employment and credit sources. We offer the best rates and mortgage options for those seeking higher loan amounts (over $1 million) with a minimum 20% down payment saved, and also offer more flexibility on down payment, with as little as 5% down. We also explain homebuyer incentive programs and down payment assistance options. With access to all of Canada's top lenders, including large banks, mortgage finance companies, credit unions, and alternative financers, we can customize a mortgage solution for you, even if you don't qualify at your bank due to limited credit or employment history. Additionally, we provide access to innovative tools in Canada for an efficient first-time home buying experience.