Mortgages for newcomers in Canada offer assistance in understanding the real estate market, along with associated costs such as closing costs and adjustment costs. By opting for a mortgage instead of paying rent, newcomers can build equity and benefit from employment and credit sources. Additionally, there are options for higher loan amounts, starting from over $1 million, with a down payment of at least 20%, or even as little as 5% for more flexibility. Homebuyer incentive programs and down payment assistance options are also explained. Regardless of limited credit and employment history, access to all of Canada's top lenders allows for a customized mortgage product at the best rate. Efficient first-time home buying experiences can be facilitated through innovative tools available in Canada.