Strong borrowers deserve the best rates!

Mortgage Broker Victoria

Advertised rates are very misleading for borrowers.

What you see and what you can get are often a different story. In an effort to address this issue, we have built a rate game! Answer the basic questions to find the best available mortgage rate for you.

Play Our Interactive Rate Game

How Much Can I Afford?

There’s no point shopping for a house unless you can actually get a mortgage.

The qualification process is largely based on your credit profile and debt-to-income ratios. Lenders have different underwriting guidelines that will impact how much you can afford and at what rate. Find out how much you can afford in a matter of seconds with our Affordability Calculator

Affordability Calculator

Banks vs Brokers

Banks only have access to their own mortgage products.

Brokers have access to a multitude of products and lenders. This allows us to match your deal with the lender that is best suited with your borrowing profile and goals, in the most timely manner and at the best rate.

Meet our lenders here

Restricted vs Full-Feature

Restricted Mortgages typically have lower rates than full feature mortgages.

Why? Because they’re restricted. Restrictions include, but are not limited to, the following: not portable, massive pre-payment penalties, not blendable, no or little pre-payment options, no way to exit mortgage without a bona fide sale of property, etc.

full feature vs restricted mortgages

Fixed vs Variable

A Fixed Rate means that your interest rate remains the same throughout the term of the mortgage.

A Variable Rate implies that your rate and payment can change throughout your term. Your borrowing profile, risk tolerance and economic conditions will determine which is a better fit.

Fixed rate vs variable rate

Reviews

"Incredibly responsive and I ended up with a great mortgage rate!"

Incredibly responsive and I ended up with a great mortgage rate. I have no hesitation in recommending Spin Mortgage to anyone looking to get the best rate and to deal with absolute professionals.

Graham Howe, Toronto

"If you are reading this review, you are already on the right track. Just make the call to Spin and your whole mortgage process will go smoothly and any questions you have will be answered quickly and professionally."

I was shopping around for mortgage lenders for my new condo purchase when I came across Spin Mortgage while searching for brokers online. This was my first property purchase so I didn’t really shop around and just locked in with my bank for a 120 day hold. A month and a half before I took possession I started to do more research on mortgage rates. Which is how I stumbled upon Spin Mortgage. At the time mortgage rates had just gone up and Spin Mortgage was able to offer me a low rate, but my bank was able to match because I had actually locked in before the rates went up. Ultimately I didn’t go with Spin Mortgage, but it was not because of Jeff or anyone at Spin. I entered my phone number to their website for more information and I got a call from Jeff within the hour to let me know what documents they needed from me. After that initial contact Jeff was always quick to respond to my calls/emails and answer any questions that I had. Once I sent them all the information they asked for, they had an appraiser lined up in a couple days. I didn’t respond in a timely matter because I was waiting for my bank to get back to me so that I could compare rates, but when I finally responded Jeff was quick to answer my emails. Even after I told them I was going with someone else, Jeff still had some follow ups for me to make sure I was really getting the best deal. Although I didn’t go with Spin for my mortgage, I will definitely contact them again when it’s time for my renewal. Their customer service is great and everything can be done online. Don’t make the same mistake I made. If you are reading this review, you are already on the right track. Just make the call to Spin and your whole mortgage process will go smoothly and any questions you have will be answered quickly and professionally.

Michael Leung, Calgary

"There is nothing but gratitude... towards Spin Mortgage!"

There is nothing but gratitude towards these dedicated and skillful group of people at Spin Mortgage. They were able to help us fulfill our dreams in spite of the fact that we found ourselves in a difficult and complicated condition, but thanks to them we are able to say that we are home owners! We are beyond thankful to this amazing team and would highly recommend them. Super responsive, friendly, and organized way of working, loved it!

Jessica Harvey, Vancouver

"Steve and Simon were fantastic in getting, and updating, our mortgage. "

Steve and Simon were fantastic in getting, and updating, our mortgage. A number of date changes…

Graeme Campbell, Victoria

"The second time I am getting a mortgage through these guys and must say that they are excellent and provide the best rates available."

This is the second time I am getting a mortgage through these guys and must say that they are excellent and provide the best rates available. Will definitely go back to them and recommend to others!

M Moalem, Vancouver

"I have nothing but the utmost appreciate and gratitude for Spin Mortgage"

I have nothing but the utmost appreciate and gratitude for Spin Mortgage and especially, Steve Pipkey’s and Simon Cheng’s help in getting my first mortgage approved for my first new home in the lower mainland, BC. They both worked so hard and efficiently in a tight time crunch to get the job done. And Steve (and Spin Mortgage) is also someone who is not only a true professional, but also has alot of integrity where he wants only to look out for the best interest of each client. He wants to ensure, that any home buyer is not put into a position of becoming “house poor” for where they are unable to afford their monthly costs just for the sake of owning a home. That, I really appreciated about Spin Mortgage where the best interest of the client was more important than their pocket books. And they were always available to answer any questions I had or when I needed any information day or night, weekday or weekend. And on top of that, they found me an excellent rate in order to make my monthly costs manageable. 🙂 Also, Steve helped me to find a superstar real estate agent when the one I was using was not quite working out for my needs. And through this superstar of an agent combined with a superstar of a mortgage brokerage such as Spin Mortgage, I was able to find my new home. I can’t even begin to express how grateful I am for the good fortune of having Spin Mortgage help me. Thank you so much for all your hard work and for helping me!

Anonymous Client, Vancouver

"These guys are the best. Attentive, supportive, and committed to customer service!"

These guys are the best. Attentive, supportive, and committed to customer service. Thank you, we are LOVING our new house!

Jordan Dack, Vancouver

"These guys are the best."

These guys are the best. Attentive, supportive, and committed to customer service. Thank you, we are LOVING our new house!

Jordan Dack, Vancouver

"Their response time and attention to detail made a real difference!"

Simon and the spin team were referred to us for the purchase of our first house and they were great to work with from start to finish. Their response time and attention to detail made a real difference (Simon caught an error in a contract from a lender and we were able to have it fixed that day). They went above and beyond the scope of a mortgage broker, helping coordinate every aspect of the process and giving us advice along the way when we had questions about entering the real estate market as first-time buyers. Right from the beginning, Simon knew the details of our file and was incredibly organized, responsive and a pleasure to deal with.

Julie Clarke, Victoria

"Jeff & Simon made sure that we were comfortable with every step! Love you guys."

We couldn’t be more thrilled with the professionalism and dedication the team at Spin gave to us. This was the biggest purchase in our lives and both Jeff & Simon made sure that we were comfortable with every step! Love you guys.

Shaun Anderson, Vancouver

"Spin was the third mortgage company I dealt with, and I wish now I had gone to them first."

Spin was the third mortgage company I dealt with, and I wish now I had gone to them first. I found the team really easy to deal with, they were specific about what they needed from me and worked hard to get my approval on time. I would not hesitate to recommend Spin Mortgage to anyone. Thanks, guys!

Tim Stephen Hendy, Vancouver

"Steve and Simon are very professional and knowledgeable."

Steve and Simon are very professional and knowledgeable. As a first time home buyer, I received so much helpful information and professional suggestion with a mortgage. The service of them is superb! Will refer friends to spin for sure!

Yang Tastic, Vancouver

"Thank you, Steve, for making a stressful process much easier."

I was referred to Spin Mortgages by my daughter and son-in-law who decided to use them after a long research. They offer the best mortgage available and provide excellent service. They made the process smooth and replied to any inquiries promptly, professionally and in detail, providing me as a first-time mortgage taken with very valuable information. I would definitely recommend them to anyone who needs a mortgage.

Thank you, Steve, for making a stressful process much easier!

Yael Kabir, Toronto

"I had a fantastic experience working with Jeff, Simon and the Spin Mortgage team."

I have known Jeff for a long time and know him to be hardworking, dedicated and honest and that is what he and the Spin Mortgage team exemplify. I had a fantastic experience working with Jeff, Simon and the Spin Mortgage team. My wife and I had been searching for our first home for over a year and the Spin Mortgage team where there to assist all along the way. Once we finally landed on a home, we had a very short turnaround on our possession/closing date. Spin Mortgage knocked it out of the park with a great rate and completed all the documentation needed in short order.
Thanks again guys!

Matt Wilpert, Calgary

"Just did my second mortgage with Spin and I'd do the next one, too!"

Great service and great mortgage rates, just did my second mortgage with this crew and I’d do the next one, too.

Torey Danger, Calgary

"Very responsive (at virtually any hour) and communicated very clearly!"

I could not recommend Spin enough. I worked with Jeff Mark and Simon Cheng and they extremely friendly and pleasant to deal with, while completely professional and thorough. Very responsive (at virtually any hour) and communicated very clearly – either when explaining details to me, or explaining what they needed from me. Go with Spin – you won’t be sorry.

Robin Miller, Toronto

"If it wasn’t for these Spin Mortgage guys, I probably wouldn’t be writing this from my first house in Canada."

If it wasn’t for these Spin Mortgage guys, I probably wouldn’t be writing this from my first house in Canada. Having arrived here no longer than a year, my wife and I decided to buy a house. As the current turbulent house market is not great for many out there, for us it was a bit tougher considering all the factors (recently landed, not a long credit history). However, Jeff and Simon were FANTASTIC! They understood our circumstances and worked hard to get us both best rate and product which would fit our needs. Thank you very much. Absolutely Recommended!

Felipe Gusmão Chagas, Calgary

"Highly recommend Spin and will tell all my friends who are in the market."

I was referred to Spin by a good friend who sourced his mortgage with them for his house in Vancouver, and could not have been happier with the professionalism and service. This was our first mortgage and in addition to the super helpful information on their website, Simon (and team) walked us through everything step by step to make sure we got the best mortgage for us.

Simon and the whole team at Spin have really figured out the best way to deliver the lowest rates and best mortgages. They were always super responsive and accommodating with us while our deal had several months of delays.

Highly recommend Spin and will tell all my friends who are in the market.

Devon Miller, Victoria

"Simon walked us through everything step by step to make sure we got the best mortgage for us."

I was referred to Spin by a good friend who sourced his mortgage with them for his house in Vancouver, and could not have been happier with the professionalism and service. This was our first mortgage and in addition to the super helpful information on their website, Simon (and team) walked us through everything step by step to make sure we got the best mortgage for us. Simon and the whole team at Spin have really figured out the best way to deliver the lowest rates and best mortgages. They were always super responsive and accommodating with us while our deal had several months of delays. Highly recommend Spin and will tell all my friends who are in the market.

Devon Miller, Victoria

"Great rates, great service, couldn't have asked for more."

Great rates, great service, couldn’t have asked for more.

Steve Willis, Calgary
Lendwise
First National Financial LP
RMG Mortgages
Mcap
Merix
TD Canada Trust
Scotiabank

A simplified mortgage process
that suits your lifestyle!

  • Find Your Rate

    Mortgage Broker Victoria

    Advertised rates are very misleading for borrowers.

    What you see and what you can get are often a different story. In an effort to address this issue, we have built a rate game! Answer the basic questions to find the best available mortgage rate for you.

    Play Our Interactive Rate Game
  • How Much Can I Afford?

    How Much Can I Afford?

    There’s no point shopping for a house unless you can actually get a mortgage.

    The qualification process is largely based on your credit profile and debt-to-income ratios. Lenders have different underwriting guidelines that will impact how much you can afford and at what rate. Find out how much you can afford in a matter of seconds with our Affordability Calculator

    Affordability Calculator
  • Banks vs Brokers

    Banks vs Brokers

    Banks only have access to their own mortgage products.

    Brokers have access to a multitude of products and lenders. This allows us to match your deal with the lender that is best suited with your borrowing profile and goals, in the most timely manner and at the best rate.

    Meet our lenders here
  • Restricted vs Full-Feature

    Restricted vs Full-Feature

    Restricted Mortgages typically have lower rates than full feature mortgages.

    Why? Because they’re restricted. Restrictions include, but are not limited to, the following: not portable, massive pre-payment penalties, not blendable, no or little pre-payment options, no way to exit mortgage without a bona fide sale of property, etc.

    full feature vs restricted mortgages
  • Fixed vs Variable

    Fixed vs Variable

    A Fixed Rate means that your interest rate remains the same throughout the term of the mortgage.

    A Variable Rate implies that your rate and payment can change throughout your term. Your borrowing profile, risk tolerance and economic conditions will determine which is a better fit.

    Fixed rate vs variable rate
  • Latest Reviews

    "Incredibly responsive and I ended up with a great mortgage rate!

    Graham Howe
    Facebook

    "If you are reading this review, you are already on the right track. Just make the call to Spin and your whole mortgage process will go smoothly and any questions you have will be answered quickly and professionally.

    Michael Leung
    Facebook

    "There is nothing but gratitude... towards Spin Mortgage!

    Jessica Harvey
    Facebook

    "Steve and Simon were fantastic in getting, and updating, our mortgage.

    Graeme Campbell
    Facebook

    "The second time I am getting a mortgage through these guys and must say that they are excellent and provide the best rates available.

    M Moalem
    Facebook

    "I have nothing but the utmost appreciate and gratitude for Spin Mortgage

    Anonymous Client
    Facebook

    "These guys are the best. Attentive, supportive, and committed to customer service!

    Jordan Dack
    Facebook

    "Their response time and attention to detail made a real difference!

    Julie Clarke
    Facebook

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Lifestyle Contest

What would you do with $5000?

Did you hear about our $5K Lifestyle Contest? Here’s the deal - if you get a mortgage with Spin or refer a friend who does before December 31 2017, you’ll both be entered for a chance to win $5000!

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