The UltimateMortgage & Financing Resource Hub

Welcome to the go-to destination for all your mortgage calculators and guides in Canada. Whether you’re a first-time homebuyer, investor, or business owner, our comprehensive library of tools and resources will help you make smarter financial decisions. From mortgage comparison tools to home affordability calculators, we have everything you need to navigate the Canadian mortgage market with confidence.

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Comprehensive Guides for Homebuyers and Investors in Canada-the Genesis Group

Why Use Our Mortgage Calculators and Guides?

  • Instant Calculations: Get accurate estimates on monthly payments, interest savings, and affordability in seconds.
  • Step-by-Step Guides: From new buyers to seasoned investors, our how-to resources simplify every step.
  • Financial Planning for Canadians: Specifically tailored for the Canadian market, including local regulations and best mortgage resources.
  • Confidence in Your Decisions: Data-driven insights, plus expert tips, ensure you feel secure about your mortgage or loan choices.

(Curious about your monthly payment? Check out our Mortgage Payment Calculator to see real-time estimates.)

Featured Mortgage & Loan Calculators

 

Pro Tip: If you’re deciding between a home affordability calculator or a loan calculator for Canadians, you can always reach out for one-on-one advice. Contact our team to get personalized guidance.

Expert Guides for Homebuyers & Investors

We’ve compiled in-depth guides so you can master every aspect of Canadian mortgages:

Each guide is packed with practical advice, step-by-step checklists, and tips from industry pros.
Check Out Our Guides

(Want to see if your new mortgage might qualify for better terms? Check out our Compare & Save Calculator for an immediate rate comparison.)

Build Your Strategy with Confidence

Here’s how our resources help you stay on top of mortgage rates in Canada and beyond:

  1. Instant Access to Tools – No logins or fees, just quick calculators.
  2. Tailored to Canadians – We cover local rules, from down payment guidelines to the stress test.
  3. Easy to Digest – Short paragraphs, bullet points, and real examples keep everything clear.
  4. Expert Insights – Our team updates these tools and guides regularly, so you always have current info.

Why Choose Our Mortgage & Financing Hub?

  • Industry-Leading Expertise: Trusted by thousands of Canadians looking for the best mortgage resources.
  • Exclusive Tools & Calculators: Each one is built to give you accurate, user-friendly results.
  • Free & Always Available: No hidden fees—just reliable, no-nonsense data you can use anytime.
  • Connected to Our Experts: If you have questions, our mortgage specialists are a click away.

(Ready to see what you can afford? Try our Home Affordability Calculator to start planning today.)

Ready to Explore Our Mortgage Calculators & Guides?

Don’t settle for guesswork. Access our mortgage calculators and guides in Canada to see exactly what you can afford, compare rates, or find a better path to homeownership. Even if you’re investing in commercial properties or seeking a land development loan, our tools can help you plan accurately.

Take the next step:

For more official information about mortgages and lending rules in Canada, visit the Financial Consumer Agency of Canada.

Empower your home financing journey with the best online tools and insights. Whether you’re a first-time buyer, a self-employed borrower, or a savvy investor, our Tools & Resources page is here to make sense of it all—on your terms.

The Genesis Group— Helping Canadians make confident mortgage decisions every step of the way!

Frequently Asked Questions

What’s the best mortgage calculator for Canadians?

It depends on your specific need. If you’re looking to figure out monthly payments, the Mortgage Payment Calculator is key. For overall budget, go with the Mortgage Affordability Calculator.

Compare across multiple lenders. Our Compare & Save Mortgage Calculator shows how different rates can impact your total cost.

Absolutely! All calculators and guides on our site are free, created to help you make informed decisions.

They use industry-standard formulas but should be seen as estimates. For precise numbers, speak with a mortgage expert.

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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.