We specialize in helping newcomers to Canada navigate the real estate market and understand the costs involved, such as closing costs and adjustment costs. Our goal is to help newcomers build equity rather than pay rent, taking advantage of employment and credit sources. We can assist in finding the best mortgage rates and options for those looking for higher loan amounts (over $1 million) with a minimum of 20% down payment saved, and we also offer flexibility on down payment requirements, with as little as 5% down. We are knowledgeable about homebuyer incentive programs and down payment assistance options, and have access to all major lenders in Canada, including banks, mortgage finance companies, credit unions, and alternative financers. Our expertise allows us to design a custom-tailored product that meets your specific mortgage needs and locks in the best rate, even if you face obstacles such as limited credit or employment history. We also provide access to innovative tools in Canada that can streamline the first-time home buying process for a more efficient experience.