Residential Mortgages

Refinancing Strategies for Medical Professionals with High Student Debt

Leave a Comment / Medical Professionals /

Reading Time: 16 minutesThe Financial Landscape for Medical Professionals: For many medical professionals in Canada, the transition from medical school to practicing medicine comes with significant financial burdens, notably high levels of student debt. This debt, often accumulated over years of specialized education, can pose a substantial challenge, impacting everything from personal finance management to long-term career decisions. […]

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Business Owners: Strategies for Securing a Personal Mortgage

Leave a Comment / Self-Employed Professionals /

Reading Time: 17 minutesNavigating Mortgage Challenges as a Business Owner: Securing a personal mortgage as a business owner comes with a unique set of challenges. In Canada, where the real estate market is as dynamic as it is diverse, entrepreneurs often find themselves navigating a complex array of financial assessments that differ significantly from those faced by regular

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Essential Questions First-Time Buyers Should Ask Their Mortgage Broker

Leave a Comment / First-time Homebuyers /

Reading Time: 16 minutesNavigating Your First Mortgage with Expert Guidance: Purchasing your first home is a monumental milestone, but it can also be a daunting journey filled with financial intricacies and decisions. In Canada’s ever-evolving real estate market, first-time buyers face a unique set of challenges and opportunities. This is where the expertise of a seasoned mortgage broker

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The BRRRR Strategy: Understanding Mortgage Implications in the Canadian Market

Leave a Comment / Real Estate Investing /

Reading Time: 17 minutesAn Overview of the BRRRR Strategy: The BRRRR strategy—Buy, Rehab, Rent, Refinance, Repeat—has become a popular approach among real estate investors seeking to expand their portfolios and increase passive income. This method involves purchasing properties that need renovations, upgrading them, renting them out, refinancing to recover the renovation and purchase costs, and then repeating the

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Tailored Mortgage Services: Why HNWIs Need Customized Lending Solutions

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

Reading Time: 15 minutesUnderstanding the Unique Needs of HNWIs: In the dynamic landscape of the Canadian real estate market, High Net Worth Individuals (HNWIs) stand out with their unique financial profiles and investment strategies. Defined as individuals with significant investable assets, HNWIs require more than just standard mortgage solutions; they need customized lending services that align with their

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Investing in Real Estate as a Medical Professional: Mortgage Insights

Leave a Comment / Medical Professionals /

Reading Time: 14 minutesNavigating Real Estate Investment for Medical Professionals: The Canadian real estate market presents a landscape filled with opportunities, yet accompanied by its own set of challenges, particularly for those in the medical profession. Medical professionals, from seasoned physicians to new practitioners, find themselves in a unique position when considering real estate investments. Their stable, often

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Creative Mortgage Solutions for Freelancers and Contractors

Leave a Comment / Self-Employed Professionals /

Reading Time: 14 minutesUnderstanding the Freelancer’s Challenge: In today’s evolving job market, an increasing number of Canadians are embracing the flexibility and autonomy that comes with being a freelancer or contractor. However, when it comes to purchasing a home, the self-employed face unique financial challenges, particularly in securing a mortgage. The traditional paths to homeownership are not always

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Finding the Right Mortgage Type for Your First Home Purchase

Leave a Comment / First-time Homebuyers /

Reading Time: 14 minutesEmbarking on the Journey to Homeownership: Welcome to one of life’s most exciting milestones: purchasing your first home. For many Canadians, this moment represents not just a personal achievement but a significant financial commitment, one that often begins with choosing the right mortgage. As a first-time homebuyer, understanding the different mortgage types available in Canada

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Mortgage Hacks Every Savvy Real Estate Investor Should Know

Leave a Comment / Real Estate Investing /

Reading Time: 16 minutesMaximizing Your Investment with Smart Mortgage Strategies: In the world of real estate investment, understanding and strategically managing your mortgage can be the difference between a good investment and a great one. Mortgages are not just a financial obligation; when used wisely, they can become a powerful tool in your investment arsenal. In Canada, savvy

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The Impact of Interest Rates on High Net Worth Real Estate Portfolios

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

Reading Time: 12 minutesUnderstanding the Dynamics: The interplay between interest rates and the real estate market is a critical element of financial planning and investment strategy, especially for high net worth individuals in Canada. As these individuals navigate the complexities of building and maintaining substantial real estate portfolios, understanding the nuanced relationship between these factors becomes essential. How

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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!