First-time Homebuyers

The True Cost of Buying Your First Home: Mortgages and Beyond

Reading Time: 11 minutesSetting Realistic Expectations: Overview Buying your first home is an exciting milestone, but it comes with complexities and costs that extend far beyond the listed price. For many first-time homebuyers, understanding these additional expenses is crucial to planning a successful purchase. From initial down payments and closing costs to ongoing maintenance and unexpected repairs, the […]

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First-Time Buyers: How to Prepare Financially for Your First Mortgage

Reading Time: 16 minutesEmbarking on Your Home Buying Journey: Buying your first home is an exciting milestone, but it’s also a process that requires careful financial preparation. For many first-time homebuyers in Canada, navigating the complex landscape of mortgage options and financial planning can feel daunting. This is where understanding the financial groundwork becomes crucial, not only to

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Essential Questions First-Time Buyers Should Ask Their Mortgage Broker

Reading Time: 16 minutesNavigating Your First Mortgage with Expert Guidance: Purchasing your first home is a monumental milestone, but it can also be a daunting journey filled with financial intricacies and decisions. In Canada’s ever-evolving real estate market, first-time buyers face a unique set of challenges and opportunities. This is where the expertise of a seasoned mortgage broker

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Finding the Right Mortgage Type for Your First Home Purchase

Reading Time: 14 minutesEmbarking on the Journey to Homeownership: Welcome to one of life’s most exciting milestones: purchasing your first home. For many Canadians, this moment represents not just a personal achievement but a significant financial commitment, one that often begins with choosing the right mortgage. As a first-time homebuyer, understanding the different mortgage types available in Canada

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Understanding Credit Scores and Mortgages for New Home Buyers

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

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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Government Programs Every First-Time Home Buyer Should Know About

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

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Navigating Your First Mortgage: Tips for New Buyers

Reading Time: 6 minutesEmbarking on the journey of purchasing your first home is a rite of passage for many millennials and Gen-Z buyers. It’s an exciting, yet often daunting, adventure filled with financial decisions, market research, and a steep learning curve. This guide aims to demystify the process of getting your first mortgage, providing you with actionable tips

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How to Save for a Down Payment in Canada: Tips for Millennials

Reading Time: 6 minutesA Down Payment Is Your Ticket to Adulting Hello, all you amazing Millennials! Ready to grab the golden key to your first home? 🏠 While owning a place might seem like level 10 of adulting, don’t fret. The first big boss you have to beat is saving for a down payment. Sounds daunting? Don’t worry!

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First-Time Homebuyer Grants in Canada: What You Need to Know

Reading Time: 6 minutesThe Dream of Buying Your First Home Hey there, future homeowners! So you’ve decided to take the big leap and buy your very first home. That’s awesome! 🏠 But let’s be honest—getting your dream home in Canada can feel like trying to score the ultimate loot in a video game. There are levels to cross,

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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.