Flexible Residential Mortgages in Canada Tailored for You

⭐⭐⭐⭐⭐ Securing the Perfect Residential Mortgages in Canada

Finding the right residential mortgage is a game-changer on your path to homeownership. Whether you’re a first-time buyer or planning to refinance, our award-winning mortgage experts are dedicated to simplifying the process and securing the best rates for you. With access to 65+ lenders, we tailor solutions that fit your unique needs, ensuring a seamless journey to your dream home. Let us guide you with confidence and clarity—because your home deserves the best financing options available.

Residential Mortgages in Canada-Why us-The Genesis Group

Why Choose Our Residential Mortgages in Canada?

Finding the right mortgage is crucial to achieving homeownership without financial stress. At Genesis Group, we specialize in providing customized residential mortgage solutions tailored to your unique needs. Whether you’re a first-time homebuyer, upgrading to a bigger home, or refinancing for better terms, our expert team is here to guide you every step of the way.

For more detailed information on mortgage insurance, down payment requirements, and homeownership programs, visit the official Canada Mortgage and Housing Corporation (CMHC) website.

Explore Our Comprehensive Residential Mortgage Solutions:

How To Access our Expert Guidance in Residential Mortgages in Canada

  • Consultation: Connect with our mortgage experts to discuss your financial goals.
  • Pre-Approval: Find out how much you qualify for and receive a tailored mortgage plan.
  • Secure Your Mortgage: Lock in your rate and finalize the paperwork stress-free.
  • Close with Confidence: Move into your home with a financing plan that fits your budget.

Discover the Key Benefits of Choosing Residential Mortgages
with Genesis Group.

⭐⭐⭐⭐⭐ Experience Guaranteed

  • 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

    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
  • 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

    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

    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
  • 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

    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

    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 journey to homeownership today! Contact Genesis Group for expert advice and the best mortgage solutions tailored to you.
Book a Free Consultation →

FAQs

What is a residential mortgage in Canada?

A residential mortgage is a loan used to purchase or refinance a home. It is secured against the property, with flexible repayment options and terms tailored to your financial situation.

To qualify, lenders assess factors such as your income, credit score, debt-to-income ratio, and down payment amount.

Typically, the minimum down payment is 5% for homes under $500,000 and 10% for amounts above that, but it varies based on your financial profile.

Pre-approval provides a clear idea of your borrowing capacity, strengthens your negotiating position, and speeds up the buying process.

A fixed-rate mortgage offers stability with predictable payments, while a variable-rate mortgage can provide lower rates initially but may fluctuate with market conditions.

Yes! Refinancing can help you secure a lower interest rate, consolidate debt, or access home equity.

Simply fill out our online pre-approval form or contact our team for a free consultation.

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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.