Spring Mortgage connects you with the best rates and expert guidance — making homeownership simple, fast, and stress-free.
Get pre-approved in as little as 24 hours with our streamlined digital process — no paperwork headaches.
We shop dozens of lenders to find you the lowest rate possible, saving you thousands over the life of your mortgage.
Apply, upload documents, and track your mortgage from any device — completely paperless from start to finish.
What We Offer
Whether you're a first-time buyer, renewing, or looking to refinance, we have a solution tailored to you.
Navigating your first mortgage doesn't have to be overwhelming. We guide you every step of the way with personalized advice and the best rates available.
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Don't just auto-renew with your current lender. Let us review your options — you may qualify for significantly better terms and lower your monthly payments.
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Access your home's equity for renovations, debt consolidation, or major purchases. We'll find the refinancing option that works best for your financial goals.
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Grow your real estate portfolio with smart financing. We specialize in securing competitive rates for rental properties and investment real estate.
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Put your home's equity to work. Whether it's a HELOC or a second mortgage, we help you access funds at the lowest possible cost.
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Traditional lenders make it tough for self-employed borrowers. We work with lenders who understand your unique income structure and get you approved.
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About Spring Mortgage
Spring Mortgage was founded on a simple belief: every Canadian deserves access to honest mortgage advice and competitive rates. We're independent brokers, which means we work for you — not the banks.
Our team of experienced mortgage specialists takes the time to understand your unique situation, shop the market on your behalf, and find solutions that fit your life — not just the numbers.
Our services are typically free to you — we're compensated by the lender.
Major banks, credit unions, trust companies and private lenders all in one place.
We explain every option in plain language so you can make confident decisions.
Mortgage Calculator
Use our quick calculator to get an estimate — then speak with one of our specialists to get the actual best rate for you.
*This is an estimate only. Actual rates depend on your credit profile, lender, and other factors. Contact us for a precise quote.
Client Stories
Real experiences from real Canadians we've helped find their perfect mortgage.
"As first-time buyers, we were completely lost. Spring Mortgage walked us through every step. We got an incredible rate and closed on our dream home in just 6 weeks!"
"I was self-employed and thought getting a mortgage would be impossible. Spring Mortgage found me a lender that understood my business income and got me approved at a rate I didn't think was possible. Absolutely recommend!"
"Renewal time was stressful until I called Spring. They found me a rate 0.75% lower than what my bank offered. That's thousands in savings over the term. Thank you!"
"Refinanced to consolidate debt and fund a renovation. The process was seamless — all done digitally in under two weeks. Couldn't be happier with the service and result."
"Bought my second investment property with Spring Mortgage. They know the investor market well and got me financing that my regular bank refused. Highly recommended for real estate investors."
"The team is knowledgeable, responsive, and genuinely cares about finding the best solution. They answered every question patiently. The whole experience was exactly what I needed as a single buyer."
FAQ
Have more questions? We're always happy to chat — reach out anytime.
A mortgage broker like Spring Mortgage works independently and has access to dozens of lenders — including major banks, credit unions, and alternative lenders. Unlike going directly to a bank (which can only offer their own products), we shop the entire market to find the best rate and terms for your specific situation. And our service is typically free to you.
In Canada, the minimum down payment is 5% for homes up to $500,000. For homes between $500,000 and $999,999, you need 5% on the first $500,000 and 10% on the remaining amount. For homes $1 million or more, a minimum of 20% is required. Putting down less than 20% requires CMHC mortgage insurance.
Pre-approval can often be completed within 24–48 hours once we have your documents. A full mortgage approval typically takes 3–5 business days, depending on the lender and complexity of your situation. We work quickly and keep you updated at every step.
We do a single credit check when you apply, which is considered a "hard inquiry." When we submit to multiple lenders, the credit bureaus treat these as a single inquiry if done within a short window (typically 14–45 days), so shopping around through us has minimal impact on your credit score.
Absolutely. Self-employed mortgages are one of our specialties. We work with lenders who understand self-employment income, including stated income programs. You'll typically need 2 years of self-employment history and business documentation. We'll guide you through exactly what's needed.
Typical documents include: government-issued photo ID, recent pay stubs (last 2–3), T4s or Notice of Assessment (last 2 years), proof of down payment (bank statements), and property information if you've found a home. Self-employed clients may also need financial statements and business documentation. We'll give you a personalized checklist when we speak.
In most cases, our services are completely free to borrowers. We receive a finder's fee from the lender once your mortgage closes. In some specialized situations (such as private lending), a broker fee may apply — but we'll always be transparent about any costs upfront before you commit to anything.
Get In Touch
Our mortgage specialists are ready to help. Fill out the form and we'll be in touch within one business day — no obligation, no pressure.