At Mortgages for People New to Canada, we specialize in helping newcomers understand the Canadian real estate market, along with the associated costs such as closing costs and adjustment costs. We believe in helping individuals build equity rather than paying rent, allowing them to benefit from employment and credit sources. Whether you're looking for a mortgage option with a higher loan amount (over $1 million) and at least a 20% down payment saved, or if you require more flexibility on your down payment with as little as 5% down, we can find the best rates and options for you. Additionally, we will 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 design a custom-tailored product that suits your mortgage needs and locks in the best rate, even if you don't qualify at your bank due to reasons such as limited credit or employment history. To make the first-time home buying experience more efficient, we provide access to innovative tools available in Canada.