We specialize in providing mortgages for individuals who are new to Canada. Our services include helping newcomers understand the Canadian real estate market and its associated costs, such as closing costs and adjustment costs. We believe in the importance of building equity rather than paying rent, which allows newcomers to benefit from their employment and credit sources. We strive to find the best rates and mortgage options for newcomers, including those looking for higher loan amounts (over $1 million) with a minimum down payment of 20%, as well as providing more flexibility on down payments with as little as 5% down. Additionally, we explain homebuyer incentive programs and down payment assistance options available. With access to all of Canada's top lenders, we can design a custom-tailored mortgage product that suits your needs and ensures the best rate, even if you don't qualify at your bank for reasons such as limited credit or employment history. Finally, we offer innovative tools to streamline the first-time home buying experience in Canada.