Are you wondering if it would be wise to shuffle your finances to consolidate debt, renovate, or invest? We can provide an obligation-free assessment of your personal situation. As a high-volume mortgage brokerage, we do a lot of deals. Our lenders appreciate the business we send them by offering us lower rates than our competitors, which we then pass along to you.
Stay cozy in your housecoat and slippers, as long as you have a computer and internet connection. Our leading-edge technology creates a seamless and secure mortgage experience from the comfort of your home. At Spin we value living a balanced life. We will accommodate your schedule and communication style to ensure this big transaction creates zero stress.
Stay cozy in your housecoat and slippers, as long as you have a computer and internet connection. Our leading-edge technology creates a seamless and secure mortgage experience from the comfort of your home. At Spin we value living a balanced life. We will accommodate your schedule and communication style to ensure this big transaction creates zero stress.
Services
Our Team
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Steve was pretty much born into the mortgage world. He has been working in mortgages since 1998. Outside of work he is usually found with his beautiful family exploring the North Shore mountains by bike or ski, depending on the season. Jeff started his career in mortgages in 2005 after completing a degree in commerce at his hometown school, the University of Calgary.
Purchasing Your Home
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This is the amount you have to put towards your house upfront. The minimum down payment required will change with the value of the house. If you're buying under $500,000, you will need 5%. Then up until $999,999, you will need 5% of the first $500,000 + 10% of remaining balance. Over a million and you are looking at a minimum of 20%.
Renewing Your Mortgage
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120 days before your mortgage is set to renew you can start the process. We will send you a renewal reminder 150 days before your renewal date, so you're well prepared. It's not hard to switch lenders, and while we can make it even easier, time crunches are never fun. With more time, we can shop around, negotiate, and secure a mortgage matched perfectly to you.
Refinancing Your Mortgage
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Want a mortgage that gives you more options? Refinancing might be the answer. Refinancing your mortgage means going back to the negotiation table and replacing your old mortgage with a new one - that gives you more! In other words, you borrow against the equity in your home. You can do this at any point during your mortgage term, but there will be different penalties depending on your timing.
Rates
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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.
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