Mortgage Pre-Approval in Canada –Know Your Buying Power with Confidence

Getting pre-approved for a mortgage is the first step towards homeownership and can make all the difference in your home buying journey. With our expert guidance, mortgage pre-approval in Canada becomes a seamless process, providing you with a clear understanding of how much you can afford and strengthening your position when making an offer. Whether you’re a first-time homebuyer or looking to upgrade, our team at Genesis Group ensures you have the information and support you need to navigate the market with confidence.

Learn more about mortgage pre-approval through the official Government of Canada Mortgage Guidelines for additional insights.

Why Mortgage Pre-Approval Matters

  • Understand Your Budget: Know exactly what you can afford before house hunting.
  • Stronger Negotiation Power: Sellers take pre-approved buyers more seriously.
  • Lock in Competitive Rates: Protect yourself from rising interest rates for a set period.
  • Identify Potential Issues: Address any credit or income concerns upfront.
  • Faster Closing Process: Speed up final approval when you find the perfect home.

Why Choose Genesis Group for Mortgage Pre-Approval?

At Genesis Group, we simplify the mortgage pre-approval process with personalized support, ensuring you get the best financing options tailored to your goals. Our award-winning team works with over 65+ lenders to provide you with competitive rates and flexible terms.

We are dedicated to helping you navigate the complexities of the mortgage process with confidence and clarity—because securing your dream home starts with the right financial foundation.

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: Submit Your Application
Provide details about your income, credit, and down payment.

Step 2: Get Pre-Approved
Receive a conditional approval based on your financial profile.

Step 3: Start House Hunting
Shop with confidence knowing what you can afford.

Discover the Key Benefits of Choosing Mortgage Pre-Approval
with Genesis Group.

⭐⭐⭐⭐⭐ Experience Guaranteed

  • 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

    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

    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

    Laura Vescio Avatar Laura Vescio
    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

    Lui Vescio Jr. Avatar 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

    Rohan Germain Avatar Rohan Germain
    01/13/2024

    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
  • 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

    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 Avatar Mark Winter
    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
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.

🏡 Start Your Homebuying Journey with Confidence! Get pre-approved today and take the first step toward your dream home. Our experts are ready to guide you through the process with personalized support

Frequently Asked Questions

What is a mortgage pre-approval?

A mortgage pre-approval is a preliminary evaluation of your financial status to determine how much you can borrow for a home purchase.

Pre-approvals typically last between 60 to 120 days, depending on the lender.

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.

You’ll need proof of income, tax returns, credit history, and details about your down payment.

Yes, there are mortgage options available for buyers with lower credit scores, though you may face higher interest rates.

No, pre-approval is conditional and based on your financial information. Final approval is granted once all property and financial details are verified.

Simply fill out our online application form or contact our expert team for personalized assistance.

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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.