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.
Getting the right mortgage rate gif-The Genesis Group

5 Year - Fixed Term from

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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.

Term
Rates From
Payments as low as
1 Year Fixed
5.79%
$3,157/mo
2 Year Fixed
4.84%
$2,876/mo
3 Year Fixed
4.39%
$2,748/mo
4 Year Fixed
4.59%
$2,804/mo
5 Year Open
4.95%
$2,908/mo
5 Year Variable
4.45%
$2,736/mo
Illustration purposes only. Use our Genesis Mortgage Calculator for a more detailed look.

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

  • 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 Avatar Breanna Bacik
    09/13/2024

    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

    Samantha L Avatar Samantha L
    09/13/2024

    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 Avatar 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

    Rohan Germain Avatar Rohan Germain
    01/13/2024

    As 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 Avatar Rohan Spence
    05/13/2024

    Kirk 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. Avatar 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

    Laura Vescio Avatar Laura Vescio
    11/13/2024

    The 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

    S T Avatar S T
    01/13/2023

    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. Avatar Sean P.
    02/21/2024
4.6
Based on 35 reviews
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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.

First-time buyers can access programs like the First-Time Home Buyer Incentive (FTHBI), Home Buyers’ Plan (HBP), and Land Transfer Tax Rebates.

First-time buyers typically need a minimum down payment of 5% for homes under $500,000 and 10% for amounts above that.

Improve your credit score, save for a higher down payment, and reduce your debt-to-income ratio to increase approval chances.

Yes! Genesis Group offers tailored solutions for self-employed first-time homebuyers to secure financing based on their unique income structure.

Use our Mortgage Affordability Calculator to estimate your budget and speak with our brokers for personalized advice.

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.

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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.