Real Estate Investing

Real Estate Investment Trusts (REITs) and Mortgage Considerations

Reading Time: 11 minutesThe Intersection of REITs and Mortgage Planning: Real Estate Investment Trusts (REITs) represent a pivotal component of the Canadian real estate market, offering investors an accessible path to property investment without the need to directly buy or manage properties. These trusts pool capital from multiple investors to purchase real estate portfolios that may include a […]

Real Estate Investment Trusts (REITs) and Mortgage Considerations Read More »

How to Leverage 1031 Exchanges in Your Mortgage Planning

Reading Time: 13 minutesUnderstanding 1031 Exchanges: Overview of 1031 Exchanges The concept of a 1031 exchange, primarily recognized in the United States under the Internal Revenue Code Section 1031, offers real estate investors the opportunity to defer capital gains taxes on property sales, provided the proceeds are reinvested in similar kinds of property. While this specific tax deferral

How to Leverage 1031 Exchanges in Your Mortgage Planning Read More »

The BRRRR Strategy: Understanding Mortgage Implications in the Canadian Market

Reading Time: 17 minutesAn Overview of the BRRRR Strategy: The BRRRR strategy—Buy, Rehab, Rent, Refinance, Repeat—has become a popular approach among real estate investors seeking to expand their portfolios and increase passive income. This method involves purchasing properties that need renovations, upgrading them, renting them out, refinancing to recover the renovation and purchase costs, and then repeating the

The BRRRR Strategy: Understanding Mortgage Implications in the Canadian Market Read More »

Mortgage Hacks Every Savvy Real Estate Investor Should Know

Reading Time: 16 minutesMaximizing Your Investment with Smart Mortgage Strategies: In the world of real estate investment, understanding and strategically managing your mortgage can be the difference between a good investment and a great one. Mortgages are not just a financial obligation; when used wisely, they can become a powerful tool in your investment arsenal. In Canada, savvy

Mortgage Hacks Every Savvy Real Estate Investor Should Know Read More »

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

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 »

Fix-and-Flip Financing: Securing Loans for Quick Turnover Properties

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

Fix-and-Flip Financing: Securing Loans for Quick Turnover Properties Read More »

The HNWI’s Roadmap to Offshore Property Investment and Financing

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

The HNWI’s Roadmap to Offshore Property Investment and Financing Read More »

Investing in Rentals: A Mortgage Broker’s Tips for Sustainable Growth

Reading Time: 14 minutesUnlocking the Potential of Rental Investments: Welcome to the exciting world of rental property investments in Canada, a realm filled with opportunities for sustainable growth and long-term financial success. Whether you’re a seasoned investor or just starting out, understanding the intricacies of rental property investment is crucial to maximizing your returns and achieving your financial

Investing in Rentals: A Mortgage Broker’s Tips for Sustainable Growth Read More »

The Real Estate Investor’s Guide to Navigating Commercial Mortgages

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

The Real Estate Investor’s Guide to Navigating Commercial Mortgages Read More »

Investment Properties 101: Mortgage Solutions for the Affluent Investor

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

Investment Properties 101: Mortgage Solutions for the Affluent Investor Read More »

Scroll to Top

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.