Our mortgage services cater to individuals who are new to Canada and are interested in understanding the real estate market and associated costs. We provide guidance on closing costs and adjustment costs, helping newcomers navigate the complexities of buying a home. By opting for a mortgage instead of renting, newcomers can build equity and take advantage of employment and credit sources. We specialize in finding the best rates and mortgage options for those seeking higher loan amounts, with the requirement of a minimum 20% down payment. However, we also offer flexibility on down payment with as little as 5% down. Additionally, we educate clients on homebuyer incentive programs and down payment assistance options. We have access to all the top lenders in Canada, including banks, mortgage finance companies, credit unions, and alternative financers. This allows us to design a customized mortgage product that suits your specific needs, even if you don't qualify at your bank due to factors like limited credit or employment history. We also provide innovative tools to enhance your first-time home buying experience in Canada.