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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I had a great experience with The Genesis Group. The process was smooth, with clear communication and competitive rates. Their team was responsive and helpful throughout. Highly recommend!
Breanna Bacik
09/13/2024If 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
11/13/2024 -
From 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
01/13/2024As 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 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 -
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
01/13/2023Was 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

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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.