We specialize in providing mortgages for newcomers to Canada, helping them understand the real estate market and the associated costs such as closing costs and adjustment costs. Our goal is to help newcomers build equity instead of paying rent, taking advantage of employment and credit sources. We offer the best rates and mortgage options for individuals looking for higher loan amounts with at least a 20% down payment saved, and we also offer flexibility on the down payment, allowing for as little as 5% down. We are knowledgeable about homebuyer incentive programs and down payment assistance options, and we have access to Canada's top lenders, including banks, mortgage finance companies, credit unions, and alternative financers. Our team can create a customized mortgage product that fits your needs and secures the best rate, 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 to make your first-time home buying experience efficient and successful.