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Low Rates. Smart Terms.

Don’t just chase the best rate — get the best deal.

Best mortgage rates starting from…

A great mortgage is more than just a low rate. These are our lowest insured and conventional rates to give you a starting point — but your best rate depends on your full picture (purchase, renewal, or refinance, down payment, credit, property type, timing, and more). Want an accurate quote? We’ll break it down, compare options, and help you land the best fit.

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Term

1 Year Fixed

4.89%

2 Year Fixed

4 Year Fixed

Variable

Insured Rate

4.39%

3.60%

Conventional Rate

4.39%

3 Year Fixed

4.09%

4.69%

5 Year Fixed

4.19%

4.34%

3.70%

Better rates, clearer choices, zero guesswork.

Learn how working with our experienced team will help you cut through the confusion and find the rate that works for you.

Spin Mortgage is a team of residential lending experts who genuinely love helping people. We stay on top of the market so you don’t have to, bringing decades of experience into every conversation. As a mortgage broker, we don’t lend the money ourselves; instead, we shop your mortgage around with a network of trusted lenders we’ve built strong relationships with since 1998. That means more options, better fits, and a mortgage that’s tailored to you. We combine real mortgage know-how with a people-first approach to help you land the best possible mortgage, without the stress.
It’s true, we have better rates than our competitors. But, more important is the reason why. Our banks know that we get deals done. We know mortgage products inside out, and we get to know our clients with the same integrity. When we submit an application we are confident that our clients will likely qualify. Rejected applications waste banks’ valuable time. They appreciate that we have such a high success rate and reward us with lower rates and better mortgage products, which we then share with you!
Whether you’re looking at an insured mortgage (less than 20% down) or a conventional one (20%+ down), fixed or variable, term vs. amortization—these details matter. Fixed rates stay the same, variable rates can fluctuate, and terms affect how long your rate lasts while amortization is the time it takes to pay off your mortgage.

Confused yet? We translate the jargon into plain English and keep you focused on what matters: saving money and staying flexible.
A low rate can be tempting… until the penalties and restrictions show up. We’ll help you avoid rough clauses like limited prepayments, cash-back clawbacks, big break fees, and “gotcha” conditions — so your mortgage works for you long-term.