Unlock Your Dream Getaway with Vacation and Second Home Mortgages in Canada
Are you dreaming of a serene lakeside cottage or a cozy mountain retreat? At Genesis Group, we specialize in getting you a vacation and second home mortgage in Canada, offering personalized solutions that turn your vision into reality. Whether you’re seeking a weekend escape or an investment in your family’s future, our experienced brokers are here to guide you through every step. With access to 65+ lenders, we’ll secure the best financing options tailored to your needs.
Why Choose Our Vacation and Second Home Mortgage Solutions?
- 🌟 Competitive Rates: Enjoy the lowest mortgage rates tailored for vacation homes.
- 🏡 Flexible Options: Whether it’s a rustic cabin or a luxury villa, we have the right solution.
- 📋 Streamlined Process: Simplified application process with expert guidance at every step.
- ⭐ Award-Winning Expertise: Trust our experienced team to make your second home purchase hassle-free.
- 🔑 Tailored Solutions: Custom financing options to fit your financial situation and goals.
Learn more about purchasing a second property in Canada by visiting the Canada Mortgage and Housing Corporation (CMHC).

5 Year - Fixed Term from
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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.
How Our Vacation and Second Home Mortgage Process Works (Step-by-Step Guide)
- Initial Consultation: Share your dream property goals with our expert brokers.
- Pre-Approval: Understand your borrowing capacity and streamline your property search.
- Lender Comparison: Access competitive rates and terms from 65+ trusted lenders.
- Tailored Solution: Choose a financing plan designed to fit your lifestyle and needs.
- Close with Confidence: Secure your vacation or second home and enjoy peace of mind.
Discover the Key Benefits of Choosing A Genesis Vacation and Second Home Mortgage
⭐⭐⭐⭐⭐ Experience Guaranteed
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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 us. They made the process so smooth and we would recommend them again and again. The level of professionalism and help that they gave us was unmatched! 10/10
Laura Vescio
11/13/2024As 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 working with Kirk Bryan, the founder & CEO, who personally guided me through each step with exceptional expertise and genuine care. Kirk and his team worked tirelessly to secure a fantastic interest rate for my mortgage, ensuring every detail was perfectly in place. Their award-winning service is evident in their proactive communication, deep industry knowledge, and commitment to their clients. Thanks to The Genesis Group, I crossed the finish line with my very first home purchase, feeling confident and well-supported. Highly recommended for anyone looking to make their home ownership dreams a reality!
Rohan Spence
05/13/2024Kirk 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 are truly 5 star. Highly recommend!
Lui Vescio Jr.
12/13/2024 -
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 Without their assistance and guidance, I wouldn't have been able to buy the business and help me achieve my financial goals. I would recommend Kirk and the Genesis Team, if you require any type of financing, be it for residential or commercial needs reach out to them.
Sean P.
02/21/2024My 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 informative, and honest with us throughout the whole process. We were extremely scared to dip our toes into the current housing market, but he took the time to address our concerns, go over our expectations and after only meeting us once, he was committed to us, our journey and getting us the very best rate that he could. We were blessed to have Kirk in our corner when we quickly found a home that we fell in love with. With his expertise we were able to see our dream as homeowners come to light. Thank you so much for all your help, Kirk! There are so many great things we could say about you and your team, but we want you to know that your positivity and passion for what you do is appreciated and admired. We look forward to working with you again as our family continues to grow over the next couple of years.
stephanie B
01/13/2023Had 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
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 they were magicians. Highly recommend if you like your mortgages fast and your brokers witty! Special shoutout to Kirk the CEO and Brittney, they came back to me with the lowest rates and a heap of knowledge to guide me through. Definitely the best in the business!
Samantha L
09/13/2024The 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 Deidre, their level of excellence and commitment will have me returning in the future to build on my real estate portfolio. The office is beautifully located in the town of Ajax and surprisingly they were available after hours to answer any questions. They had full dedication and commitment to my file, I felt prioritized! The online portal to submit and sign documents was user friendly and helped to expedite the process. They did everything on my behalf to ensure a successful closing, allowing for me to continue on with my busy schedule. I recommend The Genesis Group for all your investment needs. Kirk goes above and beyond for his clients. Thank you to the entire team for all the help with closing my deal.
S T
01/13/2023Could 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 I wouldn't trust anyone else to give me truth, detailed research, and industry knowledge/trends than Brittney. She made me feel comfortable, empowered, and completely in control. If you're searching for a mortgage or loan, the only name I would suggest is Genesis Group. You immediately feel like family and I can not say enough fantastic things about them. Thank you Brittney and team.
Maria Woychyshyn
11/13/2024

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Frequently Asked Questions
What documents do I need to apply for a mortgage purchase?
Common documents include proof of income, tax returns, credit history, and details about the property you plan to purchase.
How much can I afford to borrow for a home purchase?
Your borrowing capacity depends on factors like your income, credit score, down payment, and debt-to-income ratio.
What is the difference between fixed and variable mortgage rates?
A fixed-rate mortgage offers predictable payments, while a variable rate may fluctuate based on market conditions, potentially saving you money.
What are closing costs when purchasing a home?
Closing costs typically range between 1.5% to 4% of the home’s purchase price and include legal fees, land transfer taxes, and inspection costs.
How long does the mortgage approval process take?
The process can take anywhere from a few days to a few weeks, depending on your financial profile and the lender’s requirements.
Can I buy a home with a low down payment?
Yes! Many lenders offer mortgage options with as little as 5% down, with CMHC-insured mortgages available for eligible buyers.
What happens after I receive my mortgage pre-approval?
Once pre-approved, you can start house hunting with confidence, knowing your budget and securing financing faster when you find the right home.