why choose us-The Genesis Group

Learn About Us

Welcome to The Genesis Group, your award-winning mortgage brokerage and dedicated partner on the journey to financial freedom. A little more about us, our mission is to guide you through the intricacies of financial management, offering expertise at every juncture. We understand that each individual’s financial voyage is unique, which is why we customize our services to align with your specific requirements. Our core values of ethical integrity, equality, and compassion underpin all our actions, and we take pride in supporting our community by contributing to local charities and our Christian Mission Congregation.

As specialists in residential mortgages, private lending, commercial financing, business loans, and insurance services, we are dedicated to empowering you to optimize your budget and realize your financial aspirations. From the initial application to the final settlement, we accompany you throughout the process, providing tailored advice and assistance. At The Genesis Group, we firmly believe in conducting business with fairness and honesty, and we are committed to demonstrating this to you. Allow us to help you attain the financial freedom you truly deserve!

Why Choose Us

Choose The Genesis Group for a personalized mortgage experience, understanding that purchasing a home or investing in real estate is a significant decision. We provide expert, unbiased guidance to help you make well-informed choices.

By collaborating with us, you’ll benefit from tailored mortgage solutions that accommodate your unique circumstances. With connections to over 75 lenders across Canada, we guarantee to identify a lender and product that caters to your needs, rather than merely satisfying your local bank’s criteria. As licensed professionals, we customize the financing process, securing your most favourable rates, prepayment options, and contract terms.

We at The Genesis Group recognize that each transaction is distinct, and we approach every process accordingly to ensure mutually beneficial outcomes for all parties involved.

If you’re a first-time homebuyer, we can help you explore the available options. With competitive mortgage rates, new tax-free RRSP withdrawal options, and CMHC assistance, there’s never been a better time to purchase your first home. Our team of mortgage specialists can also assist you in saving on overall homeownership expenses, such as insurance and legal fees.

For real estate investors, our knowledgeable team—many of whom are investors—provides access to various cost-effective products tailored to your needs. Whether it’s your first rental property or your 100th, we ensure a smooth process.

Embark on the journey to financial freedom by scheduling a complimentary consultation with us today. Receive our FREE Home Buyers Guide to set you on the right path. Click Here Now!

About Us-The Genesis Group

Mentions and Achievements

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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.