First-Time Buyer
Clear guidance from pre-approval to keys. We set expectations and remove surprises.
Start your pre-approvalBuy Your Dream Home with the Best Mortgage Purchase Rates in Canada
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Quick answer
Quick answer (Canada): A mortgage purchase is financing you arrange when buying a property. Approval depends on verified income, credit history, your down payment, and debt-service ratios (GDS/TDS). We package your file once and shop it to 100+ lenders across banks, credit unions, and private funds so you get the best fit for rate and terms.
See: Pre-Approval Guide · Closing Costs · Mortgage Payment Calculator
Authoritative citation: The Government of Canada’s home buying resource explains eligibility and responsibilities when purchasing a home. Learn more at Canada.ca.
From first-time buyers to seasoned investors, we compare 100+ lenders so you get the right structure, low stress, and fast approvals.
Explore the Government of Canada’s First-Time Home Buyer Incentive to see how you can benefit from additional financial support.
- Competitive interest rates tailored to your needs
- Expert guidance from start to finish
- Fast pre-approvals for a stress-free experience
Mortgage Pain Points, Solved with Genesis Group
- Confused by different lender rules? We package your file once and shop it to over 100 lenders so you never have to repeat yourself.
- Worried about hidden costs? We map out all closing costs up front so there are no surprises at signing.
- Short on time? Our digital application takes just minutes and uses a soft credit check only.
- Bank said no? We place you with credit unions or private lenders until you qualify for A-rate pricing again.
- Need flexibility? Choose from fixed, variable, or hybrid terms structured around your cash flow and goals.
- Feeling overwhelmed? Our concierge service keeps the process simple, clear, and stress-free from start to finish.
Why Choose Genesis Group for Your Mortgage Purchase
- 100+ lenders at your fingertips: From big banks to boutique funds, we compare them all to find your best fit.
- Concierge-level service: Mortgage financing can be stressful, but with us it feels human, calm, and personal.
- Transparent and licensed: FSRA-licensed and clear about every cost so you know exactly what you’re signing.
- Fast and efficient: We package your file once, then lenders compete to give you the best approval terms.
- Strategic structure: It’s not only about the rate, it’s about designing a mortgage that fits your lifestyle and long-term goals.
5 Year - Fixed Term from
0
%
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
3.99%
$1,970/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.
Types of Mortgage Purchases We Arrange
Self-Employed Purchase
We look beyond tax returns and use bank statements or stated-income options where allowed.
See your optionsInvestment Property
Cash-flow friendly structures with rental add-backs and flexible down payment paths.
Check eligibilityNew to Canada
Programs for limited credit history using alternative proof of credit and income.
Talk to an advisorMedical and Professional
Enhanced allowances and tailored underwriting for doctors, dentists, lawyers, and CPAs.
Ask about programsHigh-Value and Jumbo
Custom structures for larger purchases with rate strategy and flexible covenants.
Design your structureTools: Pre-Approval Guide · Closing Costs · Mortgage Payment Calculator
Our Process
Simple, fast, and built around you. Here is how we take you from application to keys.
- Apply in minutes online. Share a few details and connect your documents securely.
- We review and package your file. One clean package for lenders, no repeat requests.
- Lenders compete for your approval. We compare banks, credit unions, and private options.
- You choose the best fit. Rate, term, and structure aligned with your goals.
- Close with confidence. Concierge support right through signing and move-in.
Soft check • No impact on credit • FSRA-licensed
Helpful reads: Pre-Approval Guide · Closing Costs · Mortgage Stress Test
Discover the Key Benefits of Choosing Mortgage Purchase
with Genesis Group.
⭐⭐⭐⭐⭐ Experience Guaranteed
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.
12/13/2024The 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
S T
01/13/2023From 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
01/13/2024Could 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
Maria Woychyshyn
11/13/2024Had 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
11/13/2024As 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
Rohan Spence
05/13/2024Was 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.
02/21/2024My 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
01/13/2023I 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
Gain access to our vast network of 100+ lenders offering tailored residential mortgages to suit your financial needs.
Ready to buy your home with confidence? We’ll match you with the right lender and structure in minutes.
Real results for Canadian homebuyers
First-time buyer, Ontario
Same-day pre-approval, rate hold, and clear ratios to pass the stress test.
Read case studySelf-employed, GTA
Bank statements and professional add-backs unlocked approval at 80% LTV.
Read case studyNew to Canada, Alberta
Global credit evidence and verified funds led to a smooth approval.
Read case studyMore wins: Physician purchase · Investor duplex · See all case studies
Frequently Asked Questions
What is a mortgage purchase in Canada and how does approval work?
A mortgage purchase is financing you arrange when buying a home or investment property. Approval looks at income, credit, down payment, debt ratios, and the property itself. Lenders apply the mortgage stress test, which means qualifying at a higher rate than your contract rate. We package your file once and compare 100+ lenders so structure, rate, and conditions fit your plan. Start with the Pre-Approval Guide and run scenarios on the Mortgage Payment Calculator.
How much is the minimum down payment to buy a house in Canada?
Minimum down payment depends on purchase price and occupancy. Owner-occupied homes typically allow lower minimums, while rentals require more. For many buyers the minimum is a single-digit percentage up to a price threshold, then a higher tier above that, and high-value homes often require 20 percent or more. Programs change by insurer and lender, so we confirm the exact rule set before you write an offer. Read Closing Costs in Canada and compare options in the Product Comparison Guide.
What documents do I need for a mortgage pre-approval and purchase in Canada?
Expect photo ID, recent pay stubs and T4s or a job letter, last two years of NOAs or tax returns, 90 days of proof of down payment, and a void cheque. Self-employed buyers provide business financials and bank statements. For gifts, include a gift letter and proof of source. For investment properties add leases or market rent estimates. We provide a tidy checklist and collect everything once. Learn more in the Pre-Approval Guide.
How much should I budget for closing costs when buying a home in Canada?
Plan for legal fees, title insurance, appraisal where required, and land transfer tax. If your down payment is below certain thresholds, default insurance may apply and is usually added to the mortgage. A common planning range is 1.5 to 4 percent of the purchase price, depending on province and city rebates for first-time buyers. Use our Closing Costs Guide and test payments with the Payment Calculator.
Fixed vs variable vs hybrid mortgage in Canada, how do I choose for a purchase?
Fixed gives stable payments. Variable can save if rates fall but payments or amortization can move. Hybrid splits the balance to manage risk. We look at your income stability, prepayment plans, and renewal horizon, then model total cost, penalties, and stress test impact. Compare options in the Mortgage Product Comparison and run payment tests with the Calculator.
Can I buy a home in Canada with a gifted down payment or if I am new to Canada?
Many lenders allow gifted down payment from immediate family with a signed gift letter and proof of source. Newcomers can qualify with alternative credit evidence and employment letters, and some programs permit limited credit history. Rules vary by insurer and lender. We confirm eligibility before you waive conditions. See New to Canada Mortgages and review Pre-Approval steps.
How long does a mortgage purchase take from offer to keys in Canada?
With a complete file, conditional approval can arrive in 24 to 72 hours. Many purchases close in two to four weeks, depending on appraisal timing, condo status certs, lawyer turnarounds, and insurer sign-off where applicable. We run steps in parallel and keep everyone aligned so you close on time. Begin with a soft-check pre-approval using the Pre-Approval Guide and check affordability with the Affordability Calculator.
Helpful Tools and Guides
Plan with confidence. Use these guides and calculators to map your budget and next steps.
Pre-Approval Guide
See documents, timelines, and how to pass the stress test.
Open guideClosing Costs Guide
Estimate legal fees, title, and land transfer tax by province.
Open guideMortgage Payment Calculator
Model payments by rate, term, and amortization.
Run calculatorStress Test Calculator
Check your qualifying rate and debt ratios before you offer.
Run calculator
