Strong borrowers deserve the best rates!

Find Your Rate

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

Devon Miller
Devon Miller
posted 6 months ago

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.

Mat Dagenais
Mat Dagenais
posted 1 year ago

A good friend referred my wife and I to Spin. We didn't know what to expect at first due to Spin Mortgages online base business but we thought we would give them a try.

After following the step by step website application and once all of our necessary documents were sent in, we received our rate. I couldn't believe that we were able to get rates as low as we did based on our experience with other brokers.

The Owner Jeff and his team were great! We had some interaction with them throughout the process and it only reassured us that we were being well taken care of.

I have nothing but great things to say about these guys and will be recommending them to anyone and everyone.

I recommend you give them a try, you wont regret it!

Eric Carriere
Eric Carriere
posted 11 months ago

Mortgages can be complicated with the different restrictions, terms etc. The team at Spin not only got us a great rate but also ensured we were getting the proper mortgage for our life and plans. They asked questions, recommended suitable products and explained any terms and restrictions so there couldn't be any surprises down the road. This was very important to us as being put in the wrong mortgage can quickly cost more money down the road then any possible savings on rate. Steve, Simon & Jeff were knowledgeable, prompt and professional which made the process very easy. Prior to using Spin I went through a bank I used to work for and Spin was able to offer a rate that was .2% lower then the banks best rate (which adds up to a lot of money). Not only that, they got us a mortgage that was less restrictive then what the bank was offering. We were able to complete everything over the phone and email which was very convenient and efficient. Your time would be well spent to give these guys a call even if you already have looked at a few options.

Sarah Dresser
Sarah Dresser
posted 9 months ago

It’s the second time I’ve gone to Steve for a mortgage; the first time being 10 years ago after I newly immigrated to Canada. This time I had the challenge of being self-employed and Steve worked with this and was able to not only secure a mortgage but at an excellent rate. With all the complexities and challenges of buying, both Steve and Simon would get back to me very quickly and were very supportive in providing advice, going above and beyond to help me make the purchase. I think most people underestimate how important it is to have a good mortgage advisor but it affects not just rates, but also can mean the difference in closing or losing a purchase. I strongly recommend the Spin Team to anyone for their excellent knowledge and customer service

Trevor Zeck
Trevor Zeck
posted 1 year ago

Steve and has team have advised me on both an original mortgage and a refinance and the experience has been great. Excellent strategic counsel, extremely responsive, no-nonsense - and a great rate both times. During the refinance we had an agreement in place at a good rate, but Steve held out as he thought he could get me an even better rate - and he did. He could have done the original deal and moved on, but instead continued working to find something better. It's rare (and gratifying) to see the customer's interest truly being made the priority. Big thanks to Steve, Simon and Ryan. Highly recommend the Spin team.

K Ziegl
K Ziegl
posted 11 months ago

Thank you Simon and Steve. We appreciate your promptness and professionalism. It has been seamless working with you both! I've held several properties & mortgages over the years and I'm very impressed with your company from first contact to completion :)

Torey Danger
Torey Danger
posted 1 month ago

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

Mike Hrabok
Mike Hrabok
posted 1 year ago

Spin was great to deal with. They found an excellent rate for us and were very efficient and quick. They were quick to respond with helpful information if we had questions. Overall, they made the experience of obtaining mortgage financing very painless. I would highly recommend Spin to others.

Lauren Tang
Lauren Tang
posted 1 year ago

The team at Spin Mortgage took care of all of our needs throughout our home purchase and the service was extraordinary! During the whole process, they walked us through every step, making sure we had a good understanding of everything. We could tell that they always had our best interest and that the options they offered were based on their understanding of our needs. The guidance provided made it a very comfortable experience and made us confident about all of our decisions. They were organized and always checked up on us to make sure that everything was completed ahead of time. Communication with them was exceptional, they were very responsive and clear. I would not be considering anyone else for my mortgage and have been recommending them to all of my family and friends!

Robin Miller
Robin Miller
posted 1 month ago

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.

Jamie Carswell
Jamie Carswell
posted 6 months ago

I recently worked with Steve Pipkey to help me with the daunting task of choosing a mortgage. I was considering many different housing options, so my situation was not straight forward, and Steve diligently worked to find products that best suited my needs for each scenario. He also made an effort to explain all the terms and fine print of each. Steve thoroughly analyzed my situation, considered various lenders and strategies, and was able to find me unbelievably competitive rates! Best of all he was great to talk to, genuine and super responsive. I would highly recommend Steve as a mortgage broker!

Andrew
Andrew
posted 11 months ago

Ryan is awesome!! Very helpful and patient throughout the long vetting process with the lender. Not to mention the awesome rate Steve was able to offer me, much lower than anywhere else, even other brokers.

Best of all everything is done electronically, makes things a lot more flexible. I would definitely recommend you give Spin a shot and see what they can do for you.

TD Canada Trust
Scotiabank
RMG Mortgages
Merix
Mcap
Lendwise
First National Financial LP
TD Canada Trust
Scotiabank
RMG Mortgages
Merix
Mcap
Lendwise
First National Financial LP
  • Find Your Rate

    Find Your Rate

    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

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