Helping Newcomers Secure a Mortgage in Canada
Starting a new life in Canada is exciting, and owning a home can be a significant part of your journey. At Genesis Group, we specialize in New to Canada mortgages, providing tailored solutions for newcomers. Whether you’re establishing your credit, navigating unfamiliar processes, or exploring mortgage options, our experts are here to guide you every step of the way. Let us help you achieve your dream of homeownership with confidence.
Why Choose Genesis Group for Your New to Canada Mortgage?
- 🌟 Tailored Solutions for Newcomers: Our programs are designed to meet the unique needs of newcomers, ensuring you feel supported every step of the way.
- 🤝 Access to Trusted Lenders: We work with Canada’s top lenders to provide flexible mortgage options for newcomers.
- 💬 Expert Guidance: Our team has extensive experience helping newcomers navigate the Canadian mortgage process.
- 💼 No Established Credit? No Problem: We offer solutions for those who are building credit or have limited credit history.
- 🏡 Seamless Process: From pre-approval to closing, we simplify the mortgage process to make it stress-free.
For more information on government programs available to newcomers, visit the Government of Canada’s Newcomers Homebuying Guide.

5 Year - Fixed Term from
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.
How It Works (Step-by-Step Guide)
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Schedule a Free Consultation:
Connect with our team to discuss your goals and unique circumstances. -
Gather Essential Documents:
We’ll guide you through the process of collecting key documents, such as proof of income, immigration status, and credit history. -
Explore Your Options:
Our experts will present tailored mortgage options to fit your budget and goals. -
Secure Your Mortgage:
With our trusted guidance, you can secure the best mortgage rate and terms, helping you take the first step toward homeownership.
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Discover the Key Benefits of Choosing Your New to Canada Mortgage with Genesis Group.
⭐⭐⭐⭐⭐ Experience Guaranteed
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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
11/13/2024Was 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 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.
02/21/2024Kirk 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 -
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
11/13/2024If 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
09/13/2024The 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 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 -
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
01/13/2023I 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
09/13/2024As 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 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

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Frequently Asked Questions
Can I get a mortgage in Canada without a credit history?
Yes! Many lenders offer programs for newcomers that don’t require an extensive credit history. You may need proof of income, immigration status, and a down payment.
What documents do I need to apply for a mortgage as a newcomer?
You’ll typically need proof of income, your immigration status, bank statements, and potentially a reference letter from a financial institution in your home country.
How much down payment is required for newcomers?
The minimum down payment for newcomers can range from 5% to 20%, depending on your financial profile and the home’s purchase price.
Can I qualify for a mortgage if I’m self-employed as a newcomer?
Yes! We specialize in helping self-employed newcomers secure mortgages with customized solutions tailored to their needs.
Are there government programs to help newcomers buy a home?
Yes, programs like the First-Time Home Buyer Incentive can provide financial assistance to make homeownership more affordable.
How do I get started with Genesis Group?
Simply book a free consultation with our team. We’ll guide you through the entire mortgage process, making it simple and stress-free.