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Make Your First Home Purchase Effortless with Expert Mortgage Solutions
Becoming a homeowner is an exciting milestone, and Genesis Group is here to make it stress-free and rewarding. With our First Time Homebuyer Mortgage Canada, you gain access to competitive rates, expert guidance, and personalized solutions tailored to your needs. Whether you’re navigating government programs, calculating affordability, or securing pre-approval, we’re here to simplify every step. Let us help you achieve your dream of homeownership with confidence and ease.
Explore the Government of Canada’s First-Time Home Buyer Incentive to see how you can benefit from additional financial support.
Why Choose Our First Time Homebuyer Mortgage Solutions?
Exclusive First-Time Buyer Programs: Take advantage of government incentives like the First-Time Home Buyer Incentive (FTHBI).
Competitive Rates: Access low-interest rates through our network of 65+ trusted lenders.
Expert Guidance: Our award-winning brokers simplify the mortgage process and ensure you make informed decisions.
Seamless Experience: From pre-approval to closing, we handle the details so you can focus on your dream home.
Fast Approvals: Get pre-approved quickly to secure your ideal property without delays.
5 Year - Fixed Term from
Get Started Now and Save Thousands!
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)
- Assess Your Affordability: Use our Mortgage Affordability Calculator to determine how much you can borrow.
- Explore First-Time Buyer Incentives: Discover programs like the Home Buyers’ Plan (HBP) and First-Time Home Buyer Incentive.
- Get Pre-Approved: Complete our simple pre-approval process to know your budget and streamline your home search.
- Finalize Your Mortgage: Once you’ve found your dream home, our brokers negotiate the best terms and rates on your behalf.
Discover the Key Benefits of Choosing Your First Time Homebuyer Mortgagewith Genesis Group.
Experience Guaranteed
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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
Laura Vescio
11/13/2024My 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
stephanie B
01/13/2023If 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
Samantha L
09/13/2024 -
Was 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
Sean P.
02/21/2024Had a great experience dealing with Brittney. Fantastic communication and really worked for me and my needs. Will never go anywhere else for my financial needs
Mark Winter
11/13/2024As 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
Rohan Spence
05/13/2024 -
Could 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
Maria Woychyshyn
11/13/2024From 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
Rohan Germain
01/13/2024Kirk 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
Lui Vescio Jr.
12/13/2024
Gain access to our vast network of 65+ lenders offering tailored residential mortgages to suit your financial needs.
Start Your Journey to Homeownership Today!
Take the first step toward owning your dream home with Genesis Group.
FAQs About First Time Homebuyer Mortgages in Canada
What is a first-time homebuyer mortgage?
A first-time homebuyer mortgage is a loan designed for individuals purchasing their first home. It often includes incentives or programs to make homeownership more affordable.
What incentives are available for first-time homebuyers in Canada?
First-time buyers can access programs like the First-Time Home Buyer Incentive (FTHBI), Home Buyers’ Plan (HBP), and Land Transfer Tax Rebates.
How much down payment is required for first-time homebuyers?
First-time buyers typically need a minimum down payment of 5% for homes under $500,000 and 10% for amounts above that.
How can I improve my chances of mortgage approval as a first-time buyer?
Improve your credit score, save for a higher down payment, and reduce your debt-to-income ratio to increase approval chances.
Can I get a mortgage if I’m self-employed?
Yes! Genesis Group offers tailored solutions for self-employed first-time homebuyers to secure financing based on their unique income structure.
How do I know how much I can afford for a first home?
Use our Mortgage Affordability Calculator to estimate your budget and speak with our brokers for personalized advice.
Are closing costs included in my mortgage?
Closing costs, such as legal fees, land transfer taxes, and appraisal fees, are separate and typically amount to 1.5%–4% of the home’s purchase price.
