Your Best Mortgage Rate in Canada –
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Expert Mortgage Brokers – Exclusive Rates, VIP Treatment, No Hidden Fees.

Award-Winning Mortgage Brokers: Offering the Lowest Rates

Unlock access to the best mortgage rates in Canada and save thousands on your next home loan. At the Genesis Group, we work with 65+ lenders to find tailored solutions that fit your financial goals. Whether you’re a first-time buyer, looking to refinance, or investing in property, our award-winning team makes the process seamless and stress-free.

Why Choose Us for the Best Mortgage Rates in Canada?

  • 🏆 Award-Winning Expertise: Over a decade of experience helping Canadians secure competitive rates.
  • 💰 Exclusive Access: Get rates you won’t find anywhere else, thanks to our vast network of lenders.
  • 🚀 Fast Approvals: Simplify the process with expert guidance and quick approvals.
  • 🔒 Personalized Solutions: Tailored advice to match your unique needs and goals.

“Thanks to The Genesis Group, I secured a mortgage rate 0.5% lower than other brokers offered, saving me $10,000 over the term. Highly recommended!” – Sarah M. (Click Here to review our google reviews and testimonials).”

Best Mortgage Rates in Canada- The Genesis Group
Mortgages Successfully Managed
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In Mortgage Approvals Secured
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Client Satisfaction Rate
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Years of Industry Excellence
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Given Back to Charitable Organizations
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Compare Rates and Save Thousands

Best Mortgage Rates in Canada- The Genesis Group

Our easy-to-use tools allow you to compare the best mortgage rates in Canada side-by-side. Discover how much you can save by exploring options for fixed and variable rates, and see the impact of different mortgage terms.

Key Benefits of Using Our Rate Comparison Tool:

  • Visualize savings based on real-time rates.
  • Compare fixed vs. variable rates for informed decisions.
  • Understand how term length affects monthly payments.

Start Comparing Rates

Getting the right mortgage rate gif-The Genesis Group

5 Year - Fixed Term from

0 %

Get Started Now and Save Thousands!

No cost, no obligation—just your best rate in minutes.

At Genesis Group, we’re dedicated to securing the lowest rate possible for you. Your personalized rate depends on factors like credit score and home equity, in line with Canadian regulations. Get your tailored details quickly—with zero cost, zero obligation, and total peace of mind.

Term
Rates From
Payments as low as
1 Year Fixed
5.79%
$3,157/mo
2 Year Fixed
4.84%
$2,876/mo
3 Year Fixed
4.39%
$2,748/mo
4 Year Fixed
4.59%
$2,804/mo
5 Year Open
4.95%
$2,908/mo
5 Year Variable
4.45%
$2,736/mo
Illustration purposes only. Use our Genesis Mortgage Calculator for a more detailed look.

Connecting You with Top Lenders to Fit Your Unique Financial Needs

Access to 65+ Lenders with Personalized Support

Discover Why Homebuyers Choose Us: Real Reviews, Real Results

See what our happy clients have to say about their experience with Genesis Group, Canada’s trusted mortgage brokerage. From first-time buyers to seasoned homeowners, our award-winning service and the best mortgage rates in Canada have helped thousands achieve their financial goals with confidence.

Your success story starts here—read our reviews and see why we’re the preferred choice for mortgage solutions.

  • The Genesis Group exceeded my expectations! Purchasing an investment can be a scary process especially during this unprecedented time. I had the pleasure of working with Kirk and his assistant... read more

    S T Avatar S T
    01/13/2023

    Kirk is a class act! He helped me with my first home property mortgage and couldn’t have asked for a more professional person to deal with. Him and his team... read more

    Lui Vescio Jr. Avatar Lui Vescio Jr.
    12/13/2024

    My partner and I have been in our first home for over a month now and we cannot thank Kirk and The Genesis Team enough! Kirk was patient, professional, supportive,... read more

    stephanie B Avatar stephanie B
    01/13/2023
  • Was a great experience working with Kirk and his team. They not only helped me refinance my mortgage on my house, they also assisted me in a commercial business acquisition.... read more

    Sean P. Avatar Sean P.
    02/21/2024

    As a first-time homebuyer, navigating the mortgage process can be incredibly daunting, but The Genesis Group made it not only manageable but truly rewarding. I had the distinct pleasure of... read more

    Rohan Spence Avatar Rohan Spence
    05/13/2024

    If getting a mortgage was an Olympic sport, these guys would take gold—blindfolded, on a unicycle, while juggling flaming swords. They made the process so smooth, I was half convinced... read more

    Samantha L Avatar Samantha L
    09/13/2024
  • My husband and I had used Kirk and his team upon closing a deal on our home. We couldn’t be more happy with everything Kirk and Brittney have done for... read more

    Laura Vescio Avatar Laura Vescio
    11/13/2024

    Could not say enough about The Genesis Group. The level of dedication, professionalism, and knowledge is unmatched. When dealing with such a big life decision like buying a house -... read more

    Maria Woychyshyn Avatar Maria Woychyshyn
    11/13/2024

    From the very first meeting to the joyous moment of receiving my keys, The Genesis Group, under the astute leadership of Kirk Bryan, has been nothing short of spectacular in... read more

    Rohan Germain Avatar Rohan Germain
    01/13/2024
4.6
Based on 35 reviews
powered by Google

“Working with Genesis Group was a game-changer for our real estate investment plans. Their team demonstrated exceptional expertise and a deep understanding of the market. They provided us with tailored advice and flexible mortgage solutions that perfectly suited our needs. We were particularly impressed with their responsiveness and dedication, always being available to answer our questions and address our concerns. The entire process was smooth and transparent, and we felt genuinely cared for throughout our journey. Thanks to Genesis Group, we secured a great deal on our investment property and are now looking forward to expanding our portfolio with their continued support. Highly recommend their services to any serious investor.”

Michael Johnson

Real Estate Investor, Toronto, Canada

“As a self-employed individual, I was initially worried about securing a mortgage, but Genesis Group exceeded all my expectations. Their team went above and beyond to understand my unique financial situation and provided creative solutions that other brokers couldn’t offer. They handled all the complexities with ease, guiding me through each step and ensuring I was well-informed and comfortable. Their professionalism and personalized service made all the difference. I felt valued as a client and confident in the decisions I was making. Genesis Group not only helped me buy my dream home but also made the entire process enjoyable. I wholeheartedly recommend them to anyone seeking a trustworthy and competent mortgage brokerage.”

David Thompson

Self-Employed Entrepreneur, Vancouver, Canada

“Choosing Genesis Group was the best decision we made for our home financing journey. From the very first consultation, their team of experts made us feel like their top priority. They navigated us through the complexities of mortgage options with such clarity and patience, ensuring we fully understood every step. Their personalized approach and deep industry knowledge were truly impressive. Not only did we secure a fantastic mortgage rate, but we also felt confident and supported throughout the entire process. Genesis Group turned what could have been a stressful experience into a seamless and enjoyable one. We couldn’t be happier with their service and highly recommend them to anyone looking to achieve their homeownership dreams.”

Emily Reid

First-Time Homebuyer, Ontario, Canada

Mortgage Brokerage-The Genesis Group-Experience Financial Freedom today

Find the Best Mortgage Rates in Canada with Tailored Solutions Just for You

Does securing a mortgage feel overwhelming? You’re not alone! At Genesis Group, we make it easier than ever to find the best mortgage rates in Canada, designed specifically to fit your needs. As an award-winning mortgage brokerage, we’re here to guide you every step of the way—making your homeownership journey as smooth and stress-free as possible.

Whether you’re buying your first home, refinancing your current mortgage, consolidating debt, or investing in property, our expert team is here to simplify the process. We specialize in a range of financing options, from residential and commercial mortgages to business loans and land development financing, offering solutions that align perfectly with your financial goals.

At Genesis Group, we believe in more than just finding you a mortgage—we’re committed to understanding your unique situation and matching you with the best rates and terms available. Our friendly, knowledgeable advisors take the time to walk you through every option, ensuring you make informed decisions with confidence.

Why wait? Let’s turn your homeownership dreams into reality. Contact Genesis Group today and take the first step toward securing the right mortgage for you. Together, we’ll overcome any financial hurdles and unlock the best opportunities for your future.

Institutional Lender-The Genesis Group

Institutional Lenders

Institutional lenders, such as major banks, are financial powerhouses with extensive funds available to help you buy your dream home. These lenders maintain high standards and offer competitive rates, lending to individuals with strong credit scores who meet specific criteria. Partner with our Mortgage Brokerage to navigate the process seamlessly and secure the best possible mortgage tailored to your needs.

the Genesis Group-Alternative Lenders

Alternative Lenders

Alternative lenders provide a unique and adaptable approach to financing. Often consisting of smaller companies or private lenders, they offer more flexible criteria, making them an excellent choice for those who may not meet the stringent requirements of institutional lenders. With a variety of loan options and competitive interest rates, alternative lenders can offer tailored solutions to fit your specific financial needs. Partner with us to explore these flexible financing options and find the perfect loan for your situation.

Private Lenders-The Genesis Group-

Private Lenders

Private lenders offer a highly personalized approach to financing, typically consisting of individuals or small groups. These lenders could be friends or family members looking to help someone buy a home, or investors seeking to earn returns by lending to those who can't secure a loan from a bank or alternative lender. With more flexible terms and a personal touch, private lenders provide unique opportunities to achieve your homeownership dreams. Partner with us to explore these bespoke financing solutions and find the perfect fit for your needs.

Start Your Path to Financial Freedom with the Best Mortgage Rates in Canada

Welcome to the Genesis Group Mortgage Knowledge Center

We’re Genesis Group, an award-winning mortgage brokerage proudly serving over 3,000 happy clients across Ontario and Canada. Whether you’re looking to buy your first home, refinance, or explore mortgage options, we’re here to guide you every step of the way.

Curious about how we can help? You’re in the right place! Browse our FAQs below to discover how we provide tailored solutions, expert advice, and the best mortgage rates in Canada—all designed to make your homeownership journey simple and stress-free.

At Genesis Group, we’re an award-winning mortgage brokerage known for delivering personalized mortgage solutions and access to the best mortgage rates in Canada. Our team provides expert guidance and a stress-free process to help you achieve your homeownership goals with confidence.

Our experienced mortgage specialists work with a wide network of top lenders across Canada to compare rates and find the most competitive option that fits your unique financial situation. We do the legwork so you can secure the best deal with ease.

A fixed-rate mortgage locks in your interest rate for the entire term, offering predictable payments, while a variable-rate mortgage fluctuates based on market conditions, potentially saving you money when rates are low. Our experts can help you decide which option is right for you.

Getting pre-approved is simple with Genesis Group! Just provide some basic financial details, and we’ll assess your borrowing power. Pre-approval helps you know how much you can afford and strengthens your position when making an offer.

Yes! We offer low down payment options, including programs that allow you to buy a home with as little as 5% down. Reach out to our team to explore your eligibility and financing options.

Absolutely! We specialize in mortgages for self-employed clients, offering flexible options that consider non-traditional income sources. Whether you’re an entrepreneur or freelancer, we can help you find the right solution.

Starting is easy! Contact us today, and our expert advisors will guide you through the entire process—from exploring options to securing the best mortgage for your needs.

For more answers, visit our full FAQ page [here]. Learn more about mortgage regulations from the Canada Mortgage and Housing Corporation

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5 Year - Variable

4.45%

This exclusive rate is available for High Ratio Mortgages and applies to both new purchases and some mortgage switches. With a guaranteed rate of Prime -1.00%, you’ll enjoy the freedom to make extra payments or increase your monthly payments by up to 20% per year.

And the best part? This is a full-frills mortgage—no hidden surprises or restrictive clauses like a bona fide sales clause!

Prime Rate @ 5.45%

4.45% - 5.50%

If you don’t qualify for our lowest advertised rate, don’t worry! We have other competitive options tailored to your needs. Factors such as your credit score and home equity will determine your final rate.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

5 Year - Open

4.95%

Enjoy a rate discount starting from Prime -0.50% for your term. This 5-year Adjustable Rate Mortgage (ARM) offers unmatched flexibility: pay it, lock it, break it, or change it—with no restrictions or penalties.

Perfect for insured, insurable, and uninsured new purchases and switches, this option is available for owner-occupied properties only.

Prime Rate @ 5.45%

4.95% - 6.75%

If you don’t qualify for our lowest advertised rate, don’t worry—there are still excellent low-rate options for you! Your final rate depends on factors such as your credit rating and home equity.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

5 Year - Fixed

4.24%

Lock in this competitive rate for High Ratio purchases! Enjoy the flexibility of making up to 20% lump sum payments annually, plus the option to increase your regular payments by up to 20%—perfect for managing your mortgage your way. Secure this rate for up to 120 days, giving you the confidence to plan ahead.

4.24% - 5.69%

Even if you don’t qualify for our lowest advertised rate, we’re here to help with a variety of competitive options designed to meet your needs. The rates above reflect realistic possibilities based on factors such as your credit score, home equity, and financial profile.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

4 Year - Fixed

4.59%

Take advantage of this competitive rate available for High Ratio purchases and select Insured transfers! Enjoy the flexibility of making up to 20% lump sum payments annually and increasing your regular payments by up to 20%. This is a full-featured mortgage designed to give you the freedom and flexibility you need. 

4.59% - 6.84%

If you don’t qualify for our lowest advertised rate, don’t worry—we’ve got a variety of low-rate options to fit your needs. The rates shown above reflect realistic scenarios and are influenced by factors like credit score, home equity, and financial profile.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

3 Year - Fixed

4.39%

Take advantage of this fantastic rate available exclusively for High Ratio deals! With the flexibility to make up to 15% lump sum payments annually and the option to increase your regular payments by up to 15%, this is a full-featured mortgage that adapts to your needs. Lock in this rate for up to 120 days and plan your homeownership journey with confidence.

4.39% - 5.79%

Don’t worry if you don’t qualify for our lowest advertised rate—we’ve got you covered with a range of low-rate options tailored to fit your unique circumstances. The rates above reflect realistic scenarios based on factors such as credit score, home equity, and financial profile.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

2 Year - Fixed

4.84%

Lock in this competitive rate for High Ratio purchases! Enjoy the flexibility of making up to 20% lump sum payments annually, plus the option to increase your regular payments by up to 20%—perfect for managing your mortgage your way. Secure this rate for up to 120 days, giving you the confidence to plan ahead.

4.84% - 6.19%

Even if you don’t qualify for our lowest advertised rate, we’re here to help with a variety of competitive options designed to meet your needs. The rates above reflect realistic possibilities based on factors such as your credit score, home equity, and financial profile.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

1 Year - Fixed

5.49%

Unlock this exclusive low rate for High Ratio purchases and Switches. Enjoy up to 20% lump sum payments annually and the flexibility to increase your payments by 20%! Plus, lock in this fully-loaded mortgage rate for up to 120 days—no hidden restrictions, just exceptional value.

5.49% - 6.99%

Even if you don’t qualify for our lowest rate, we’ve got plenty of low-rate options tailored to fit your unique situation. Your final rate depends on factors like your home equity and credit score, but with Genesis, you’ll always get the best-possible rate for your needs.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.