Our mortgage solutions:

Buying your
first home

Take the first step to owning a home by getting approved for a mortgage through Spring Financial.
Access the best rates thanks to our extensive network of over 40 lenders and banks.
Our friendly agents will be there to help from start to finish.

Start your mortgage journey

Consolidate debt
with home equity

Consolidate all your debts into one easy payment without having to go into consumer proposal or bankruptcy.
Use your home equity to skip your monthly payments for up to a year.
Approval options for all credit scores.

Get a home
equity loan

Line of credit & mortgage combo

Take advantage of the current market’s super low rates and get approved for a HELOC & Mortgage combo.
Increase your line of credit with every mortgage payment you make.
Always have easy access to your home equity.

Get started

Spring makes mortgages easy.

With Spring Financial, one of our licensed agents will be with you from start to finish.

100% online for your convenience.

All our mortgage products are available online, or via phone or text, so you can get the help you want without interrupting your day.

Let’s grow together.

Get Started

It’s easy.
It works.

We’ve helped thousands of Canadians improve their credit and access fair financial products.

See All Reviews

“I followed Raj's lead, and I'm so grateful that I did! He gave so much encouragement and confidence in the process. Raj has made a wonderful impact on my life.”

“They were very attentive and helpful through the entire process. I couldn't be happier that I found Spring Mortgages!”

“I really appreciated the way that Spring was there through every step of the process. They weren't just in it for the money and went above and beyond to answer all of my questions.”

“I thought the meaning of community was only by providing services to members of your community in which you live, I never thought a community could also be built through a process when refinancing your mortgage.”

“Spring Mortgages was an excellent experience and answered all my questions”

“This past year has taught many that unexpected circumstances can put you in a hole financially. At times it's difficult to find the help you need but Spring financial is there when you may need them.”

“Don't know how I will ever thank you enough!!”

“I was very happy with Spring Mortgage's service, the agent made the process simple and was very knowledgeable in his field.”

“Service was good and fast. Besides the pandemic, everything went very smoothly.”

“Spring Mortgages was very straightforward. Professional services, easy approval, everything was very smooth”

FAQs

How does this work?

Spring Mortgage Group provides equity based financing. There are quite a few different products we have available (mortgage, home loan, line of credit, etc,), but what we suggest is going to be different for each client's unique situation. The process often starts with a phone call or email conversation to figure out how we can best help, and which option is best for you. Once an option is agreed on, we will finish your application entirely over the web (no face to face needed!) and send your file out for quotes. If you like the quotes that come back from the bank, we set up the approval and funding for you all from the comfort of your home!
What rates do you offer?

Since we operate as a brokerage, we have access to some of the absolute best rates in the industry. We can leverage our network of over 40 chartered banks, mortgage lenders & other institutions (including familiar names such as Scotiabank and TD) as we work to find you the best offer for your situation. Rates are changing day to day based off the Bank of Canada prime rate and many other factors, but talking to an associate to get a quote is completely free. Once you apply on our site here, an associate will work directly with you and give you an accurate picture of what's possible.
Do you charge lending fees?

In most instances, we are paid by the financial institution providing the mortgage at no cost to yourself. Depending on the situation however, a fee may be charged to the client. Anytime this happens, it is disclosed before signing any documentation and charged only upon completion of the transaction, from the proceeds of the mortgage.
Do you work with poor credit files?

Yes! Many of our clients have either been out of work or have bruised credit. In these cases, we will leverage our relationship to try to get you approved now with one of our 40 banks and investors to help fix your credit issues. We even have options to help you reduce the payment to make everything more manageable for you. Once we've done this over a 1-2 year term, we aim to get you approved through our big bank partners (Scotia, TD, etc.) with a regular prime mortgage! Reach out to us and we'll be happy to go over specific solutions for your case.
What provinces do you work in?

We are licensed to operate in British Columbia, Alberta and Ontario.

Visit our help centre for a complete list of FAQs

Ready to make a move?