Medical Professionals

Why Medical Professionals Need a Mortgage Broker Who Understands Their Needs

Reading Time: 10 minutesUnique Financial Landscapes of Medical Professionals When embarking on the journey to homeownership, medical professionals face a set of unique financial circumstances that can complicate the mortgage process. From the substantial student loans required for their education to the often irregular income patterns during the early stages of their careers, these factors require careful navigation. […]

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The Impact of Medical Career Stages on Mortgage Choices

Reading Time: 10 minutesNavigating Mortgage Decisions Through Your Medical Career: Overview Embarking on a medical career in Canada involves not only years of training but also significant financial planning. As medical professionals progress through various career stages—from residency to established practice—their financial needs and options, especially concerning mortgages, evolve considerably. Purpose of the Blog This blog aims to

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Refinancing Strategies for Medical Professionals with High Student Debt

Reading Time: 16 minutesThe Financial Landscape for Medical Professionals: For many medical professionals in Canada, the transition from medical school to practicing medicine comes with significant financial burdens, notably high levels of student debt. This debt, often accumulated over years of specialized education, can pose a substantial challenge, impacting everything from personal finance management to long-term career decisions.

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Investing in Real Estate as a Medical Professional: Mortgage Insights

Reading Time: 14 minutesNavigating Real Estate Investment for Medical Professionals: The Canadian real estate market presents a landscape filled with opportunities, yet accompanied by its own set of challenges, particularly for those in the medical profession. Medical professionals, from seasoned physicians to new practitioners, find themselves in a unique position when considering real estate investments. Their stable, often

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Residency Relocation: Navigating Mortgages for Medical Residents

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

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

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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Physician Loans 101: Understanding Mortgage Specialties for 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

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How to Balance Medical School Debt and New Home Mortgages

Reading Time: 12 minutesNavigating Financial Responsibilities: For many medical professionals in Canada, embarking on a career is often accompanied by a significant financial burden: medical school debt. This challenge is further compounded when these professionals aspire to step into homeownership. Balancing these two substantial financial responsibilities – managing medical school debt and acquiring a mortgage for a new

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Mortgages for Doctors: What Medical Professionals Need to Know

Reading Time: 19 minutesUnderstanding the Unique Home Buying Journey for Doctors: Embarking on the journey of homeownership is a significant milestone for anyone, but for doctors and medical professionals, this path is often laced with unique challenges and opportunities. As a doctor in Canada, your pursuit of a dream home comes with a distinctive set of considerations, primarily

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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.