Mortgage Purchase Solutions in Canada –Your Path to Homeownership Starts Here

Buying a home is one of life’s most exciting milestones, and securing the right mortgage is key to making it a reality. At Genesis Group, our mortgage purchase solutions in Canada are designed to provide expert guidance, competitive interest rates, and personalized financing options tailored to your needs. Whether you’re a first-time homebuyer or upgrading to your dream home, our experienced mortgage brokers simplify the process and help you make informed decisions with confidence.

Explore the Government of Canada’s First-Time Home Buyer Incentive to see how you can benefit from additional financial support.

Mortgage Purchase Canada-the Genesis Group

Why Choose Genesis Group for Your Mortgage Purchase?

At Genesis Group, we understand that buying a home is more than just a transaction—it’s a life-changing decision. Our personalized approach ensures you get the best mortgage solution for your unique needs, offering expert support at every step.

We take the stress out of the mortgage process with a commitment to transparency, personalized advice, and a proven track record of success. From application to closing, we’re here to guide you through every detail with confidence.

Key Benefits of Our Mortgage Purchase Solutions

  • Access to 65+ Lenders: Get the most competitive rates and flexible terms from Canada’s top lenders.
  • Tailored Mortgage Plans: Solutions customized to your financial goals and lifestyle.
  • Pre-Approval Advantage: Strengthen your buying power and negotiate confidently with sellers.
  • Seamless Process: Our experts handle the paperwork, so you can focus on finding your dream home.
  • Trusted Guidance: Benefit from expert insights and market knowledge to navigate your options easily.
Mortgage Purchase Canada-the Genesis Group
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 Process

Step 1: Get Pre-Approved
Understand your budget and position yourself as a serious buyer.

Step 2: Find Your Dream Home
Shop with confidence knowing what you can afford.

Step 3: Finalize Your Mortgage
Lock in your rate and terms with our expert assistance.

Discover the Key Benefits of Choosing Mortgage Purchase
with Genesis Group.

⭐⭐⭐⭐⭐ Experience Guaranteed

  • 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

    stephanie B Avatar stephanie B
    01/13/2023

    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

    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
  • 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

    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
  • 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

    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

    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.

🏡 Take the First Step Towards Homeownership! Our experts are ready to help you secure the best mortgage purchase solutions tailored to your goals. Contact us today for a free consultation!

Frequently Asked Questions

What documents do I need to apply for a mortgage purchase?

Common documents include proof of income, tax returns, credit history, and details about the property you plan to purchase.

Your borrowing capacity depends on factors like your income, credit score, down payment, and debt-to-income ratio.

A fixed-rate mortgage offers predictable payments, while a variable rate may fluctuate based on market conditions, potentially saving you money.

Closing costs typically range between 1.5% to 4% of the home’s purchase price and include legal fees, land transfer taxes, and inspection costs.

The process can take anywhere from a few days to a few weeks, depending on your financial profile and the lender’s requirements.

Yes! Many lenders offer mortgage options with as little as 5% down, with CMHC-insured mortgages available for eligible buyers.

Once pre-approved, you can start house hunting with confidence, knowing your budget and securing financing faster when you find the right home.

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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.