Mortgage Pre-Approval in Toronto – Know Your Buying Power with Confidence
Step Toward Homeownership with Peace of Mind
Getting pre-approved for a mortgage is the first and most crucial step in your Toronto homebuying journey. At Genesis Group, we make sure the process is smooth, so you know how much you can afford and feel confident when making an offer. Whether you’re a first-time homebuyer, upgrading to a bigger home, or an investor, our award-winning team is here to guide you every step of the way.
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.
Submit Your Application: Provide details about your income, credit score, and down payment.
Get Your Conditional Approval: We assess your financial profile and let you know how much you can borrow.
Shop for Homes Confidently: Find properties in Toronto that fit your budget and vision.
Lock In Your Rate & Close Faster: Final approval is quicker once you choose the home you love.
Real Client Success: 5-Star Reviews
⭐⭐⭐⭐⭐ Experience Guaranteed
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
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 09/13/2024
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
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 01/13/2023
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.
S T 01/13/2023
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
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
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
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.
A mortgage pre-approval is a preliminary evaluation of your financial status to determine how much you can borrow for a home purchase.
How long does a mortgage pre-approval last?
Pre-approvals typically last between 60 to 120 days, depending on the lender.
Does getting pre-approved impact my credit score?
Yes, a pre-approval involves a hard credit check, which may have a slight impact on your score. However, it’s a necessary step in securing a mortgage.
What documents do I need for mortgage pre-approval?
You’ll need proof of income, tax returns, credit history, and details about your down payment.
Can I get pre-approved for a mortgage with bad credit?
Yes, there are mortgage options available for buyers with lower credit scores, though you may face higher interest rates.
Is pre-approval the same as final mortgage approval?
No, pre-approval is conditional and based on your financial information. Final approval is granted once all property and financial details are verified.
How do I start the mortgage pre-approval process?
Simply fill out our online application form or contact our expert team for personalized assistance.
Take the First Step Toward Your Dream Home
Stop Guessing and Know Exactly What You Can Afford
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.