December 2023

Documenting Your Income for a Mortgage When You’re Self-Employed

Leave a Comment / Self-Employed Professionals /

Reading Time: 14 minutesThe Self-Employed Mortgage Challenge: When it comes to securing a mortgage, self-employed individuals often find themselves navigating a unique set of challenges. Unlike traditional employees with steady pay slips, the self-employed must prove their financial stability and income in different ways. This task can be daunting, but understanding the importance of accurate income documentation is […]

Documenting Your Income for a Mortgage When You’re Self-Employed Read More »

The First-Time Home Buyer’s Checklist for a Smooth Mortgage Process

Leave a Comment / First-time Homebuyers /

Reading Time: 15 minutesEmbarking on Your Home Buying Journey: Welcome to the thrilling world of homeownership! As a first-time home buyer in Canada, you’re about to embark on one of the most significant journeys of your life. It’s a path filled with hopes, dreams, and understandably, a few complexities, especially when it comes to navigating the mortgage process.

The First-Time Home Buyer’s Checklist for a Smooth Mortgage Process Read More »

Fix-and-Flip Financing: Securing Loans for Quick Turnover Properties

Leave a Comment / Real Estate Investing /

Reading Time: 14 minutesExploring Fix-and-Flip Opportunities: Welcome to the dynamic world of fix-and-flip investing in Canada, a realm where savvy investors turn vision into value. This method of real estate investment has gained significant traction, offering a unique pathway to profitability through property renovation and resale. Overview of Fix-and-Flip in the Canadian Real Estate Market Fix-and-flip involves purchasing

Fix-and-Flip Financing: Securing Loans for Quick Turnover Properties Read More »

The Medical Professional’s Guide to Buying a Home: Mortgage Strategies

Leave a Comment / Medical Professionals /

Reading Time: 17 minutesNavigating the Path to Homeownership for Medical Professionals: Welcome to the dedicated guide for medical professionals embarking on the exciting yet complex journey of buying a home in Canada. This sector, renowned for its dedication and hard work, faces unique challenges and opportunities when stepping into the housing market. Unique Challenges and Opportunities Medical professionals,

The Medical Professional’s Guide to Buying a Home: Mortgage Strategies Read More »

The HNWI’s Roadmap to Offshore Property Investment and Financing

Leave a Comment / High Net Worth Individuals (HNWI), Real Estate Investing /

Reading Time: 13 minutesNavigating Global Real Estate for High Net Worth Individuals (HNWIs): Welcome to the definitive guide for Canadian High Net Worth Individuals (HNWIs) exploring the dynamic world of offshore property investment and financing. In today’s globalized economy, the real estate market extends far beyond domestic borders, offering a plethora of opportunities for savvy investors looking to

The HNWI’s Roadmap to Offshore Property Investment and Financing Read More »

The Self-Employed Professional’s Guide to Getting a Competitive Mortgage Rate

Leave a Comment / Self-Employed Professionals /

Reading Time: 15 minutesNavigating Mortgage Rates as a Self-Employed Professional: Welcome to the world of home buying in Canada – a journey that can be both exhilarating and challenging, especially for self-employed professionals. Navigating the mortgage market as a self-employed individual comes with its unique set of challenges. Unlike traditional employees with steady income streams, self-employed professionals often

The Self-Employed Professional’s Guide to Getting a Competitive Mortgage Rate Read More »

Government Programs Every First-Time Home Buyer Should Know About

Leave a Comment / First-time Homebuyers /

Reading Time: 15 minutesEmpowering Canadian Home Buyers: Welcome, millennials and Gen-Zers! As you embark on the exciting journey towards homeownership, it’s crucial to navigate this path armed with the right information. Home buying, especially for the first time, can be a mix of thrilling and daunting experiences. But fear not! The Canadian government offers a suite of programs

Government Programs Every First-Time Home Buyer Should Know About Read More »

Investing in Rentals: A Mortgage Broker’s Tips for Sustainable Growth

Leave a Comment / Real Estate Investing /

Reading Time: 14 minutesUnlocking the Potential of Rental Investments: Welcome to the exciting world of rental property investments in Canada, a realm filled with opportunities for sustainable growth and long-term financial success. Whether you’re a seasoned investor or just starting out, understanding the intricacies of rental property investment is crucial to maximizing your returns and achieving your financial

Investing in Rentals: A Mortgage Broker’s Tips for Sustainable Growth Read More »

Estate Planning and Mortgages: Protecting Your High-Value Real Estate Assets

Leave a Comment / High Net Worth Individuals (HNWI) /

Reading Time: 13 minutesThe Intersection of Estate Planning and Mortgages: In the realm of financial planning, estate planning and mortgages are two pivotal elements, especially for Canadian homeowners with high-value real estate assets. Understanding how these two areas intertwine is crucial for protecting your property investments and ensuring your financial legacy. Overview of Estate Planning Estate planning is

Estate Planning and Mortgages: Protecting Your High-Value Real Estate Assets Read More »

Physician Loans 101: Understanding Mortgage Specialties for Medical Professionals

Leave a Comment / Medical Professionals /

Reading Time: 13 minutesTailored Mortgage Solutions for Physicians: Welcome to the world of physician loans – specialized mortgage solutions crafted specifically for medical professionals. In Canada, where the journey to becoming a doctor is both time-consuming and expensive, understanding and accessing the right kind of mortgage is crucial for physicians who balance demanding careers with personal goals like

Physician Loans 101: Understanding Mortgage Specialties for Medical Professionals Read More »

Scroll to Top

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.

Secure Your Best Rate Today!

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.

Secure Your Best Rate Today!

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.

Secure Your Best Rate Today!

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.

Secure Your Best Rate Today!

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.

Secure Your Best Rate Today!

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.

Secure Your Best Rate Today!

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.

Secure Your Best Rate Today!