CBM Canada's Best Mortgage
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CBM Canada's Best Mortgage
All of us like things easy. Meeting the banks and lenders is a time consuming, frustrating, and a confusing, experience and you still may not get a fair rate. At CBM we believe the ONLY way to get you the best rate and terms is to take the time to understand your specific needs first. Then we build a mortgage strategy based on YOUR needs not the banks.

Next we use our technology to shop over 50 lenders and find you the best rate and terms that match your strategy. The market is changing every day based on supply and demand of funds that the lenders have. So while 1 bank have the best 5 year fixed rate term today another may have a better Variable rate term.
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Answer: The shocking Stats are over 97% of people that know all they have to do is make extra payments don't systematically pay extra on their mortgage. We're dealing with human behaviour and in order to help people we have to understand human behaviour. Telling people all you have to do is make extra payments is like telling anyone that's been struggling with weight all their life to eat less and exercise more.
When you complete an application, CBM will carefully assess your mortgage options relative to both your current and future situation. We will advise you of your current credit score, and how to improve or maintain it relative to both your current and future position. Understanding your credit is crucial to ensure you receive the best interest rate and mortgage options.
Get Off On the Right Start in Buying Your Home. CBM will provide you with all the information you need to make informed decisions about your home purchase and mortgage selection.

Mortgage renewal is also an important time to decide if you should roll your high-interest credit cards and other debt into your mortgage to get one lower payment, At Canada's Best Mortgage, we can compare offers from at least 50 different lenders to make sure you get the best rate and save you money and we will even show you how to pay off our mortgage in the time.
Let us help you with your goal of saving money and paying off your mortgage faster. 1. Our weekly newsletters with relevant Real Estate and Mortgage News that affect you. 2. Our CBM money tips videos that will show you how to save even more money and increase your wealth. 3. The CBM quarterly newsletter, filled with great content, mailed to your home.
Your credit history is an integral part of the mortgage approval process because that history is a reliable indicator of how you will manage your mortgage and your finances in the future. Your credit score provides a snap shot of your perceived lending risk at a particular moment in time. It can change from month to month, which provides a great opportunity for you to improve your score if you need to with the right credit behaviours.
Reviews (9)
Taylor Larsen
Taylor Larsen
Nov 28, 2021
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Brad has been wonderful to deal with helping us buy our first home, and later remortgage ! We will be sticking with him for our future mortgage needs and recommend him to our friends and family as well.
Taylor Willi
Taylor Willi
Nov 08, 2021
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Brad did a great job helping my wife and I secure financing for our first home. We were complex clients with multiple co-signers and an odd rural property, but he calmly helped us navigate our options and secure financing. Brad was very helpful in answering all of our questions as this was our first time going through the process. A great sense of humor, and prompt to reply to emails and phone calls! Thanks Brad!
Meindert Steketee
Meindert Steketee
May 29, 2021
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Brad has been so helpful with the purchase of our first home. He was able to answer any question we had immediately and made the whole process smooth and easy. Can highly recommend Brad to any first time homebuyers in Victoria.
Cindy Andres
Cindy Andres
Oct 06, 2020
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We have used Invis-Canada's Best Mortgage company three times and they never disappoint. Always friendly, helpful and go above and beyond to assist with even the smallest of details.
Sean C.
Sean C.
Aug 03, 2020
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Brad Speniel was awesome. Helped us get out of a bad situation, and found us a conventional mortgage at a very competitive rate. Very personable, thank you Brad. It was nice having you in our corner.
Melissa Holman
Melissa Holman
Jul 27, 2020
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We've had Brad guide us through the purchase of two homes now. Each time, he's been thorough with his explanations and has been smart to use "layman's terms" so we understood the process. Brad always has a smile on his face, and treats you like you're his favourite customer! It's always a pleasure to work with Brad, and we will use his services exclusively in the future - whether it's for renewal or another purchase.
John Huynh
John Huynh
Aug 28, 2016
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I was looking for a new mortgage broker and my colleague referred me to Brad Speniel. He was very friendly, knowledgeable and most importantly he responded to calls or emails within 24 hours.
I'd recommend Brad to anyone looking for a mortgage broker.
Gordon Duval
Gordon Duval
Aug 15, 2016
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"Excellent - Brad Speniel has assisted me with a number of mortgages now and has always looked after me with integrity and professionalism in his advice, guidance and attention to detail. I will continue to use Brad for all or my mortgage needs."
Marites S. Salamanes
Marites S. Salamanes
Nov 14, 2014
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It was nerve wracking but you made it all possible for us..... Brad Speniel you are so patient and kind to us....