Newcomers to Canada can benefit from mortgage options that help them build equity instead of paying rent and guide them in understanding the associated costs of buying real estate, such as closing and adjustment costs. Those seeking higher loan amounts of over $1 million with at least 20% down payment can find the best rates and more flexibility on down payments, and incentives to help make a down payment. With access to Canada's top lenders, custom-tailored mortgage products based on an individual’s needs can be created regardless of credit or employment history. First-time buyers can access innovative tools for a more streamlined experience.