We specialize in providing mortgages for newcomers to Canada, helping them navigate the Canadian real estate market and understand the associated costs such as closing costs and adjustment costs. Our goal is to assist newcomers in building equity rather than paying rent, taking advantage of their employment and credit sources. We offer the best rates and mortgage options for newcomers who are looking for higher loan amounts, with at least 20% down payment saved and the flexibility to put as little as 5% down. We also provide information on 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 create a customized mortgage product that fits your needs and locks in at the best rate, even if you don't meet the criteria at your bank due to limited credit and employment history. Furthermore, we offer innovative tools to ensure an efficient first-time home buying experience in Canada.