Self-Employed Professionals

Navigating Self-Employed Mortgage Applications With Irregular Income

Reading Time: 11 minutesThe Self-Employed Challenge: For self-employed individuals, the path to homeownership can often feel like navigating a maze with hidden hurdles. In Canada, where self-employment is increasingly common, securing a mortgage presents unique challenges that differ significantly from those faced by traditionally employed applicants. The primary hurdle? Proving the stability and reliability of irregular income to […]

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Tax Tips for Self-Employed Individuals Seeking Home Loans

Reading Time: 12 minutesThe Challenge for Self-Employed Homebuyers: Navigating the mortgage application process in Canada can be a daunting task, especially for self-employed individuals. Unlike traditional salaried employees, self-employed applicants face unique challenges that can complicate their journey to homeownership. The complexity of proving a stable and sufficient income through irregular revenue streams often requires a strategic approach

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Business Owners: Strategies for Securing a Personal Mortgage

Reading Time: 17 minutesNavigating Mortgage Challenges as a Business Owner: Securing a personal mortgage as a business owner comes with a unique set of challenges. In Canada, where the real estate market is as dynamic as it is diverse, entrepreneurs often find themselves navigating a complex array of financial assessments that differ significantly from those faced by regular

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Creative Mortgage Solutions for Freelancers and Contractors

Reading Time: 14 minutesUnderstanding the Freelancer’s Challenge: In today’s evolving job market, an increasing number of Canadians are embracing the flexibility and autonomy that comes with being a freelancer or contractor. However, when it comes to purchasing a home, the self-employed face unique financial challenges, particularly in securing a mortgage. The traditional paths to homeownership are not always

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Self-Employment and Mortgages: Overcoming Common Obstacles

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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Documenting Your Income for a Mortgage When You’re Self-Employed

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 Self-Employed Professional’s Guide to Getting a Competitive Mortgage Rate

Reading Time: 15 minutesNavigating Mortgage Rates as a Self-Employed Professional: Welcome to the world of home buying in Canada – a journey that can be both exhilarating and challenging, especially for self-employed professionals. Navigating the mortgage market as a self-employed individual comes with its unique set of challenges. Unlike traditional employees with steady income streams, self-employed professionals often

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Self-Employed in Canada? Explore Your Mortgage Options Without Traditional Income Proof

Reading Time: 14 minutesNavigating Mortgage as a Self-Employed Individual in Canada: Welcome to the complex yet navigable world of mortgages for self-employed individuals in Canada. Being your own boss brings numerous advantages, but when it comes to securing a mortgage, the path is often less straightforward than for those with traditional employment. This blog aims to demystify the

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Mortgage Approval Tips for the Self-Employed Entrepreneur

Reading Time: 14 minutesNavigating the Mortgage Landscape as a Self-Employed Entrepreneur: Embarking on the journey of securing a mortgage as a self-employed entrepreneur can often feel like navigating uncharted waters. Unlike traditional employees, who typically present lenders with a straightforward proof of steady income, self-employed individuals face a unique set of challenges in the mortgage approval process. These

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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.