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 are truly 5 star. Highly recommend!
Lui Vescio Jr. 12/13/2024
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 01/13/2024
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 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 05/13/2024
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 11/13/2024
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 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 09/13/2024
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 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
Had 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 11/13/2024
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 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
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 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.
Rate Range: 2.99% - 5.50%
Payments: $2,368/mo on $500K Enjoy a short-term fixed rate with flexibility for your financial needs. Ideal for those looking to refinance or test the waters with a competitive, low introductory rate.
Rate Range: 5.79%
Payments: $3,157/mo on $500K Lock in your rate for one year and enjoy predictable monthly payments. Perfect for short-term planning or those expecting changes in the near future.
Rate Range: 4.84%
Payments: $2,876/mo on $500K A two-year fixed term offers balance between flexibility and stability. Ideal for homeowners seeking a mid-term commitment with competitive rates.
Rate Range: 3.99%
Payments: $2,627/mo on $500K Secure your rate for three years and benefit from stability. A great choice for buyers or refinancers who want predictable payments over the medium term.
Rate Range: 4.59%
Payments: $2,804/mo on $500K Four years of consistent payments at a competitive fixed rate. Great for those who want stability with a slightly longer-term plan.
Rate Range: 3.99%
Payments: $2,627/mo on $500K One of our most popular options! Lock in for five years and enjoy long-term stability with rates designed to save you money.
Rate Range: 4.95%
Payments: $2,908/mo on $500K Flexibility at its best! A 5-year open rate allows you to pay off your mortgage early without penalties while enjoying competitive rates.
Rate Range: 4.45%
Payments: $2,736/mo on $500K Take advantage of historically lower rates with our 5-year variable term. Ideal for those who want to benefit from potential rate drops over time.
*Disclaimer: If you don’t meet the requirements for our lowest advertised rates, don’t worry—Genesis Group has a wide range of competitive mortgage options to suit your needs! The rates displayed above represent realistic options if the outlined criteria aren’t fully met. Factors such as your credit score, down payment amount, and property details may impact your final rate. We’re dedicated to finding the best-possible solution for your unique situation.
Additional fees or premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending options.
For the latest insights on mortgage regulations and lending guidelines, visit theCanada Mortgage and Housing Corporation (CMHC)—a trusted resource for homebuyers, investors, and industry professionals.
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.
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.
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.
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.
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.
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.
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.