High Net Worth Individuals (HNWI)

High Net Worth Individuals: Leveraging Real Estate for Wealth Preservation

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Reading Time: 11 minutesThe Role of Real Estate in Wealth Management: Overview: For high net worth individuals (HNWIs), real estate stands out not just as a mere investment avenue but as a pivotal tool for wealth preservation and augmentation. In the ever-evolving landscape of investment options, real estate offers a tangible asset that can appreciate in value, generate […]

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Concierge Mortgage Brokerage: A Must-Have Service for Luxury Home Buyers

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Reading Time: 16 minutesThe Rise of Concierge Mortgage Services: In the ever-evolving landscape of Canadian real estate, the luxury market continues to stand out with its robust growth and unique demands. As properties in top-tier cities like Toronto, Vancouver, and Montreal fetch premium prices, the need for specialized mortgage solutions becomes increasingly evident. This is where concierge mortgage

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Tailored Mortgage Services: Why HNWIs Need Customized Lending Solutions

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Reading Time: 15 minutesUnderstanding the Unique Needs of HNWIs: In the dynamic landscape of the Canadian real estate market, High Net Worth Individuals (HNWIs) stand out with their unique financial profiles and investment strategies. Defined as individuals with significant investable assets, HNWIs require more than just standard mortgage solutions; they need customized lending services that align with their

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The Impact of Interest Rates on High Net Worth Real Estate Portfolios

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Reading Time: 12 minutesUnderstanding the Dynamics: The interplay between interest rates and the real estate market is a critical element of financial planning and investment strategy, especially for high net worth individuals in Canada. As these individuals navigate the complexities of building and maintaining substantial real estate portfolios, understanding the nuanced relationship between these factors becomes essential. How

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Unlocking Premium Financing: How Jumbo Mortgages Work for HNWIs

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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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The HNWI’s Roadmap to Offshore Property Investment and Financing

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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

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

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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

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The Real Estate Investor’s Guide to Navigating Commercial Mortgages

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Reading Time: 13 minutesThe Landscape of Commercial Mortgages: Welcome to the dynamic and intricate world of commercial mortgages in Canada – an essential tool for any astute real estate investor. This introductory guide is designed to demystify the concept of commercial mortgages and illustrate their pivotal role in the realm of real estate investment. Whether you’re a seasoned

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Investment Properties 101: Mortgage Solutions for the Affluent Investor

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Reading Time: 13 minutesEntering the World of Property Investment: Welcome to the captivating world of property investment, a realm where discerning affluent investors in Canada are increasingly finding lucrative opportunities. Real estate investment has long been hailed as a robust avenue for wealth generation and asset diversification, and for the affluent investor, the prospects are particularly enticing. Overview

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Navigating Luxury Home Financing: A Guide for High Net Worth Buyers

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Reading Time: 14 minutesThe Landscape of Luxury Home Financing: Welcome to the intricate world of luxury home financing, a realm where the dreams of high net worth individuals meet the realities of the Canadian real estate market. This guide is crafted to navigate you through the unique landscape of luxury home buying, a journey that is as exclusive

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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!