Build Your Dream Home with a Construction Mortgage
Building a home from the ground up is an exciting journey—and Genesis Group is here to make it seamless. With our Construction Mortgage Canada, you’ll have the financial tools and expert support needed to fund every stage of your home-building project. From securing the land to final construction, we tailor solutions that ensure your dream home becomes a reality. Let us guide you through the process with clarity and confidence.
For more detailed information on mortgage insurance, down payment requirements, and homeownership programs, visit the official Canada Mortgage and Housing Corporation (CMHC) website.
Why Choose Our Construction Mortgage Solutions?
- 🏗️ Flexible Financing: Access funds as needed for every construction phase.
- 💰 Competitive Rates: Enjoy market-leading rates tailored to your project.
- 📋 Expert Guidance: Navigate the complexities of construction financing with ease.
- 🔑 Custom Solutions: Financing options designed to fit your unique project and timeline.
- 🚀 Fast Approvals: Start building your dream home without delays.

5 Year - Fixed Term from
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No cost, no obligation—just your best rate in minutes.
At Genesis, we’re dedicated to securing the lowest rate possible for you. Your personalized rate depends on factors like credit score and home equity, in line with Canadian regulations. Get your tailored details quickly—with zero cost, zero obligation, and total peace of mind.
How It Works (Step-by-Step Guide)
- Consultation and Pre-Approval: Discuss your construction plans with our expert brokers to determine your budget and financing needs.
- Phase-Based Funding: Access funds in stages, including land purchase, construction, and finishing costs.
- Ongoing Support: Receive guidance at every step to ensure your project stays on track.
- Final Financing Conversion: Upon completion, seamlessly transition to a standard mortgage.
Discover the Key Benefits of Choosing Your Construction Mortgagewith Genesis Group.
⭐⭐⭐⭐⭐ Experience Guaranteed
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If getting a mortgage was an Olympic sport, these guys would take gold—blindfolded, on a unicycle, while juggling flaming swords. They made the process so smooth, I was half convinced... read more they were magicians. Highly recommend if you like your mortgages fast and your brokers witty! Special shoutout to Kirk the CEO and Brittney, they came back to me with the lowest rates and a heap of knowledge to guide me through. Definitely the best in the business!
Samantha L
09/13/2024Could not say enough about The Genesis Group. The level of dedication, professionalism, and knowledge is unmatched. When dealing with such a big life decision like buying a house -... read more I wouldn't trust anyone else to give me truth, detailed research, and industry knowledge/trends than Brittney. She made me feel comfortable, empowered, and completely in control. If you're searching for a mortgage or loan, the only name I would suggest is Genesis Group. You immediately feel like family and I can not say enough fantastic things about them. Thank you Brittney and team.
Maria Woychyshyn
11/13/2024Was a great experience working with Kirk and his team. They not only helped me refinance my mortgage on my house, they also assisted me in a commercial business acquisition.... read more Without their assistance and guidance, I wouldn't have been able to buy the business and help me achieve my financial goals. I would recommend Kirk and the Genesis Team, if you require any type of financing, be it for residential or commercial needs reach out to them.
Sean P.
02/21/2024 -
My husband and I had used Kirk and his team upon closing a deal on our home. We couldn’t be more happy with everything Kirk and Brittney have done for... read more us. They made the process so smooth and we would recommend them again and again. The level of professionalism and help that they gave us was unmatched! 10/10
Laura Vescio
11/13/2024The Genesis Group exceeded my expectations! Purchasing an investment can be a scary process especially during this unprecedented time. I had the pleasure of working with Kirk and his assistant... read more Deidre, their level of excellence and commitment will have me returning in the future to build on my real estate portfolio. The office is beautifully located in the town of Ajax and surprisingly they were available after hours to answer any questions. They had full dedication and commitment to my file, I felt prioritized! The online portal to submit and sign documents was user friendly and helped to expedite the process. They did everything on my behalf to ensure a successful closing, allowing for me to continue on with my busy schedule. I recommend The Genesis Group for all your investment needs. Kirk goes above and beyond for his clients. Thank you to the entire team for all the help with closing my deal.
S T
01/13/2023From the very first meeting to the joyous moment of receiving my keys, The Genesis Group, under the astute leadership of Kirk Bryan, has been nothing short of spectacular in... read more securing my first mortgage. Navigating through the home-buying process can be daunting for a first-timer, but Kirk and his dedicated team, including the remarkable Cshandrika Bryan and the diligent Hope Spence, provided me with the guidance, confidence, and support I needed. The Bryan team is well-versed in the complexities of the mortgage process and operates with a level of professionalism and personal attention that is rare in the industry. Cshandrika's expertise and proactive communication meant that I was never left in the dark, while Hope's tenacity ensured that we secured a deal that was not only favorable but also well ahead of the closing date, which is a testament to their commitment and efficiency. What I appreciated most was their personal touch; they treated my first home purchase with the significance it deserved, celebrating each milestone and navigating every challenge with a solution-oriented mindset. I am truly impressed by the personalized strategies and genuine care that The Genesis Group provided. To anyone stepping into the home-buying arena, I cannot recommend The Genesis Group enough. They are not just a team that helps you cross the 'finish line'; they are your steadfast partners in turning the dream of homeownership into a reality. Thank you, Kirk, Cshandrika, and Hope, for your impeccable service and for making this journey so memorable. I look forward to working with you again in the future!
Rohan Germain
01/13/2024 -
My partner and I have been in our first home for over a month now and we cannot thank Kirk and The Genesis Team enough! Kirk was patient, professional, supportive,... read more informative, and honest with us throughout the whole process. We were extremely scared to dip our toes into the current housing market, but he took the time to address our concerns, go over our expectations and after only meeting us once, he was committed to us, our journey and getting us the very best rate that he could. We were blessed to have Kirk in our corner when we quickly found a home that we fell in love with. With his expertise we were able to see our dream as homeowners come to light. Thank you so much for all your help, Kirk! There are so many great things we could say about you and your team, but we want you to know that your positivity and passion for what you do is appreciated and admired. We look forward to working with you again as our family continues to grow over the next couple of years.
stephanie B
01/13/2023As a first-time homebuyer, navigating the mortgage process can be incredibly daunting, but The Genesis Group made it not only manageable but truly rewarding. I had the distinct pleasure of... read more working with Kirk Bryan, the founder & CEO, who personally guided me through each step with exceptional expertise and genuine care. Kirk and his team worked tirelessly to secure a fantastic interest rate for my mortgage, ensuring every detail was perfectly in place. Their award-winning service is evident in their proactive communication, deep industry knowledge, and commitment to their clients. Thanks to The Genesis Group, I crossed the finish line with my very first home purchase, feeling confident and well-supported. Highly recommended for anyone looking to make their home ownership dreams a reality!
Rohan Spence
05/13/2024Kirk is a class act! He helped me with my first home property mortgage and couldn’t have asked for a more professional person to deal with. Him and his team... read more are truly 5 star. Highly recommend!
Lui Vescio Jr.
12/13/2024

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Frequently Asked Questions
What documents do I need to apply for a mortgage purchase?
Common documents include proof of income, tax returns, credit history, and details about the property you plan to purchase.
How much can I afford to borrow for a home purchase?
Your borrowing capacity depends on factors like your income, credit score, down payment, and debt-to-income ratio.
What is the difference between fixed and variable mortgage rates?
A fixed-rate mortgage offers predictable payments, while a variable rate may fluctuate based on market conditions, potentially saving you money.
What are closing costs when purchasing a home?
Closing costs typically range between 1.5% to 4% of the home’s purchase price and include legal fees, land transfer taxes, and inspection costs.
How long does the mortgage approval process take?
The process can take anywhere from a few days to a few weeks, depending on your financial profile and the lender’s requirements.
Can I buy a home with a low down payment?
Yes! Many lenders offer mortgage options with as little as 5% down, with CMHC-insured mortgages available for eligible buyers.
What happens after I receive my mortgage pre-approval?
Once pre-approved, you can start house hunting with confidence, knowing your budget and securing financing faster when you find the right home.