Strong Borrowers, deserve the best rates!

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. Learn More Find out how much you can afford in a matter of seconds with our 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. Learn More

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. Learn More

Spin have helped thousands of people in VictoriaVancouver, Calgary, and Toronto get better mortgage rates. See what we can do for you!

Close a mortgage or refer a friend before December 31 2016 and both be entered to win!

View contest details - new window!