Mortgage rates that aren't
through the roof

  • Save over $10,000
  • No credit check
  • 95% client success

The right source for
Canadian mortgages

Spring Mortgage is Canada’s premium mortgage broker offering every type of mortgage in any location across the country.

  • See the lowest rates

    See the lowest rates

    We’ll check 40+ lenders and 10,000 products in the market.

  • Get expert advice

    Get expert advice

    Speak with your trusted Spring Mortgage advisors anytime.

  • We do the hard work

    We do the hard work

    Spring Mortgage advisors will do all the application admin.

Today's lowest
5-year mortgage rates

4.94%

Fixed Rate Variable Rate

Home purchase

Whether it’s your first home or you’re looking to invest in a property, we make sure your rate is great.

  • Get pre-approved so you can buy
  • Shop for homes knowing you’ll get the best rate
Home purchase

Home refinance

Refinancing with Spring Mortgage can get you a better rate than your previous lender and save you 1000’s.

  • We’ll beat your previous rate
  • Super easy switching process with no complicated paperwork
Home refinance

The mortgage experience
you always wanted

When you check rates with Spring Mortgage we don’t charge, check your credit, or make you sign anything.

No credit check unless you say so

No credit check unless you say so

Your credit is important, so we don’t do any hard pulls until you are absolutely ready.

A better, all-digital experience

A better, all-digital experience

Connect with top mortgage specialists anytime, anywhere with our all-online process.

Enjoy lower monthly payments

Enjoy lower monthly payments

Our super low rates mean cheaper payments, whether you’re buying or refinancing.

Back to mortgage basics

Have a different question? Contact us today.

How much should I have for my down payment?

The minimum amount you can have for a down payment is 5% of the purchase price if you are buying your first home. If you are buying a home as an investment, we suggest putting down a minimum of 20%.

How can I get the best mortgage rate?

You can get the best mortgage rate by applying online with Spring Mortgage and letting our experience mortgage experts match you with the best deal.

When should I refinance my mortgage?

You should refinance your mortgage when rates are low, when you’re looking to lower your monthly mortgage payments, or when your current mortgage contract is coming to an end.

How do I know how much I can afford?

You should refinance your mortgage when rates are low, when you’re looking to lower your monthly mortgage payments, or when your current mortgage contract is coming to an end.

Canadians love
Spring Mortgage

Rated 4.9 / 5 on Google, Facebook, Trustpilot, Comparewise and others.

  • Brian Molnar
    Brian Molnar

    Google

    Buying a home for your family is so important. Ammar made us feel comfortable with at ease with this process. He took his time to understand our needs but was very quick with the process.

  • Karen Austin
    Karen Austin

    Comparewise

    I bought my first home a few years back and used @spring_mortgage. It was a great experience so I called them when I was ready to purchase my second house. Ammar and his team go above and beyond.

  • Valerie Fincher
    Valerie Fincher

    Comparewise

    We had a great experience with Ammar and his team. He explained us all of our options without us feeling the pressure or rushed. I highly recommend.

  • Jeff Mahlum
    Jeff Mahlum

    Comparewise

    I was extremely nervous being a first time home buyer in Toronto. With prices skyrocketing I wasn't sure this was the right move but after speaking to Ammar, he made me feel confident.

  • Clementine Mason
    Clementine Mason

    Google

    Ammar went above and beyond our expectations, answering all of our questions and securing us an even better rate that we'd hoped for! The entire process was very smooth and we will be recommending his mortgage services.

  • Averi Blackwell
    Averi Blackwell

    Comparewise

    I was working with a broker before and it was a nightmare. Thank goodness I found Ammar. He was always quick to respond to help us. We will definitely be using Ammar when it’s time to renew our home.

  • Melissa Dodds
    Melissa Dodds

    Twitter

    I was anxious being a first-time home buyer in the Toronto market. Ammar was referred to me by a friend of the family and he definitely made the process much easier to work through!

  • John Hartman
    John Hartman

    Comparewise

    We really appreciated Damien’s patience and compassion through this entire process. We are very happy with our rate and how easy he made our experience.

  • Ruben Gonzalez
    Ruben Gonzalez

    Comparewise

    Ammar was amazing to work with from start to finish. Found us such an excellent rate. He went above and beyond for us.

  • Nicola Weber
    Nicola Weber

    Twitter

    @spring_mortgage helped me with my purchase of my third business property. He found us the best rates. I would recommend Shawn if you need to speak to anyone.

  • Brooke Cheng
    Brooke Cheng

    Twitter

    My family member recommend @spring_mortgage and to speak to Ammar. He doesn't disappoint. I was very satisfied with his service.

  • Fredy Pollich
    Fredy Pollich

    Comparewise

    My previous mortgage broker retired so I had to find a new one. When I contacted Spring Mortgage. The whole team is amazing. I was impressed right off the bat. Very professional.

  • Tricia Seward
    Tricia Seward

    Twitter

    @spring_mortgage was recommended to me by a fellow business owner who used their services to refinance their property. I found Ammar to be knowledgeable and efficient in helping us to reduce our rate and liquidate the capital we needed to expand our business.

  • Judson Flatley
    Judson Flatley

    Google

    So glad I found Damien and Spring Mortgage. The last time I had to renew my mortgage was a headache. Damine is familar with the challenges of applying as a self-employed individual and got our re-financing done without any trouble.

  • Josephine R
    Josephine R

    Google

    Spring Mortgage gave us confidence in our purchase. I won’t even hesitate calling because they are just that great! Very easy to understand and work with.

  • Albert Taylor
    Albert Taylor

    Comparewise

    I've worked with Spring Mortgage many times. I highly recommend them to my clients who are in need. They work hard to get the best rates.

  • William Westley
    William Westley

    Comparewise

    I was referred to Damien because I wanted to purchase the building my business is in when my landlord decided to sell. We went over all of my options and I ended up not only managing to purchase the building but also get extra funds to

  • Javier Garcia
    Javier Garcia

    Google

    Very reliable team. They are straight forward which I liked. They are honest but they also work very hard to find the best rates for you.

  • Michele Peers
    Michele Peers

    Google

    I had the pleasure of speaking to Shawn about a few things. Including purchasing property for my business and we got approved very quick. I will be using his services for my business in the future.

  • Donal Lynch
    Donal Lynch

    Twitter

    I used @spring_mortgage to help with the purchase of my second investment property. Damien made the process quick and straightforward, which I appreciated as I have a hectic schedule.