Residential Mortgages

Why Medical Professionals Need a Mortgage Broker Who Understands Their Needs

Leave a Comment / Medical Professionals /

Reading Time: 10 minutesUnique Financial Landscapes of Medical Professionals When embarking on the journey to homeownership, medical professionals face a set of unique financial circumstances that can complicate the mortgage process. From the substantial student loans required for their education to the often irregular income patterns during the early stages of their careers, these factors require careful navigation. […]

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The True Cost of Buying Your First Home: Mortgages and Beyond

Leave a Comment / First-time Homebuyers /

Reading Time: 11 minutesSetting Realistic Expectations: Overview Buying your first home is an exciting milestone, but it comes with complexities and costs that extend far beyond the listed price. For many first-time homebuyers, understanding these additional expenses is crucial to planning a successful purchase. From initial down payments and closing costs to ongoing maintenance and unexpected repairs, the

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Navigating Self-Employed Mortgage Applications With Irregular Income

Leave a Comment / Self-Employed Professionals /

Reading Time: 11 minutesThe Self-Employed Challenge: For self-employed individuals, the path to homeownership can often feel like navigating a maze with hidden hurdles. In Canada, where self-employment is increasingly common, securing a mortgage presents unique challenges that differ significantly from those faced by traditionally employed applicants. The primary hurdle? Proving the stability and reliability of irregular income to

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High Net Worth Individuals: Leveraging Real Estate for Wealth Preservation

Leave a Comment / High Net Worth Individuals (HNWI) /

Reading Time: 11 minutesThe Role of Real Estate in Wealth Management: Overview: For high net worth individuals (HNWIs), real estate stands out not just as a mere investment avenue but as a pivotal tool for wealth preservation and augmentation. In the ever-evolving landscape of investment options, real estate offers a tangible asset that can appreciate in value, generate

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Real Estate Investment Trusts (REITs) and Mortgage Considerations

Leave a Comment / Real Estate Investing /

Reading Time: 11 minutesThe Intersection of REITs and Mortgage Planning: Real Estate Investment Trusts (REITs) represent a pivotal component of the Canadian real estate market, offering investors an accessible path to property investment without the need to directly buy or manage properties. These trusts pool capital from multiple investors to purchase real estate portfolios that may include a

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How to Leverage 1031 Exchanges in Your Mortgage Planning

Leave a Comment / Real Estate Investing /

Reading Time: 13 minutesUnderstanding 1031 Exchanges: Overview of 1031 Exchanges The concept of a 1031 exchange, primarily recognized in the United States under the Internal Revenue Code Section 1031, offers real estate investors the opportunity to defer capital gains taxes on property sales, provided the proceeds are reinvested in similar kinds of property. While this specific tax deferral

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Concierge Mortgage Brokerage: A Must-Have Service for Luxury Home Buyers

Leave a Comment / High Net Worth Individuals (HNWI) /

Reading Time: 16 minutesThe Rise of Concierge Mortgage Services: In the ever-evolving landscape of Canadian real estate, the luxury market continues to stand out with its robust growth and unique demands. As properties in top-tier cities like Toronto, Vancouver, and Montreal fetch premium prices, the need for specialized mortgage solutions becomes increasingly evident. This is where concierge mortgage

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First-Time Buyers: How to Prepare Financially for Your First Mortgage

Leave a Comment / First-time Homebuyers /

Reading Time: 16 minutesEmbarking on Your Home Buying Journey: Buying your first home is an exciting milestone, but it’s also a process that requires careful financial preparation. For many first-time homebuyers in Canada, navigating the complex landscape of mortgage options and financial planning can feel daunting. This is where understanding the financial groundwork becomes crucial, not only to

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Tax Tips for Self-Employed Individuals Seeking Home Loans

Leave a Comment / Self-Employed Professionals /

Reading Time: 12 minutesThe Challenge for Self-Employed Homebuyers: Navigating the mortgage application process in Canada can be a daunting task, especially for self-employed individuals. Unlike traditional salaried employees, self-employed applicants face unique challenges that can complicate their journey to homeownership. The complexity of proving a stable and sufficient income through irregular revenue streams often requires a strategic approach

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The Impact of Medical Career Stages on Mortgage Choices

Leave a Comment / Medical Professionals /

Reading Time: 10 minutesNavigating Mortgage Decisions Through Your Medical Career: Overview Embarking on a medical career in Canada involves not only years of training but also significant financial planning. As medical professionals progress through various career stages—from residency to established practice—their financial needs and options, especially concerning mortgages, evolve considerably. Purpose of the Blog This blog aims to

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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.

Secure Your Best Rate Today!

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.

Secure Your Best Rate Today!

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.

Secure Your Best Rate Today!

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.

Secure Your Best Rate Today!

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.

Secure Your Best Rate Today!

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.

Secure Your Best Rate Today!

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.

Secure Your Best Rate Today!