For newcomers to Canada, we offer assistance in understanding the Canadian real estate market and the associated costs, such as closing costs and adjustment costs. We encourage individuals to build equity instead of paying rent, taking advantage of employment and credit sources. Additionally, we can help newcomers find the best rates and mortgage options for higher loan amounts, requiring at least a 20% down payment saved. We also provide flexibility on down payment, allowing as little as 5% down. Our services include explaining homebuyer incentive programs and down payment assistance options. We have access to all of Canada's top lenders, including large banks, mortgage finance companies, credit unions, and alternative financers, allowing us to design a customized mortgage product that fits your needs and locks in at the best rate, even if you don't qualify at your bank due to limited credit and employment history. Finally, our innovative tools in Canada ensure an efficient first-time home buying experience.