Residency Relocation: Navigating Mortgages for Medical Residents

Leave a Comment / Medical Professionals /

Reading Time: 12 minutesThe Unique Challenges of Residency Relocation: Embarking on a residency is a pivotal and challenging phase in the medical profession. It signifies not just the transition from academic learning to practical, hands-on experience but often involves relocating to a new city or even a different province within Canada. This journey, while exciting, brings with it […]

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Specialized Mortgages for Doctors: Tailored Loans for Busy Professionals

Leave a Comment / Medical Professionals /

Reading Time: 11 minutesNavigating Homeownership for Medical Professionals: In the fast-paced and demanding world of healthcare, medical professionals face unique challenges and opportunities, both in their careers and personal lives. When it comes to homeownership, the financial and professional landscape for doctors is distinctively different, necessitating mortgage solutions that are just as specialized and flexible as their schedules.

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Self-Employment and Mortgages: Overcoming Common Obstacles

Leave a Comment / Self-Employed Professionals /

Reading Time: 12 minutesThe Unique Challenges of Being Self-Employed in Mortgage Applications: The landscape of the Canadian workforce is evolving, with an increasing number of individuals embracing self-employment. From freelancers to entrepreneurs, this shift represents a growing segment of the economy. However, when it comes to securing a mortgage, self-employed Canadians often face a unique set of challenges.

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Understanding Credit Scores and Mortgages for New Home Buyers

Leave a Comment / First-time Homebuyers /

Reading Time: 13 minutesNavigating Homeownership in Canada: Welcome to the exciting journey of homeownership in Canada, a path filled with opportunities and important decisions. As a new home buyer, one of the most critical steps in this journey is understanding the roles of credit scores and mortgages. This knowledge is not just a prerequisite; it’s a powerful tool

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From Amateur to Mogul: Mortgage Tips for Scaling Your Investment Portfolio

Leave a Comment / Real Estate Investing /

Reading Time: 15 minutesEmbarking on a Real Estate Investment Journey: Navigating the Canadian Real Estate Investment Market Welcome to the exciting world of real estate investment in Canada—a landscape brimming with opportunities for both aspiring and seasoned investors. Whether you’re just starting out or looking to expand your portfolio, understanding the dynamics of the Canadian market is crucial.

From Amateur to Mogul: Mortgage Tips for Scaling Your Investment Portfolio Read More »

Unlocking Premium Financing: How Jumbo Mortgages Work for HNWIs

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

Reading Time: 16 minutesNavigating High-Value Real Estate Investments: Welcome to the world of high-value real estate investments, where the stakes are as grand as the opportunities. For High Net Worth Individuals (HNWIs) looking to invest in Canada’s vibrant real estate market, understanding the nuances of jumbo mortgages is key to unlocking the doors of premium properties. This guide

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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

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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.

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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

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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,

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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.

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!