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
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.
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%.
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.
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.
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.
Reviews (9)
Felix Lee
Nov 20, 2020
Report
Even though there are many, many mortgage brokers that have a physical presence in my area, I continue to use Spin Mortgage three time zones away for my mortgage needs. Their team members (especially Ryan) are excellent to work with. They will take their time to explain all of the options and help you decide on the best mortgage based on your needs and desired features (keep in mind that the rate isn't everything). The team is highly efficient and quick to respond to you. For mortgages that needed appraisals, they even reimbursed the appraisal fees. Keep up the great work and excellent service
Saurabh Kumar
Jun 14, 2020
Report
I had the pleasure to have the services from Steve Pipkey and Ryan Araujo from Spin Mortgage. I received excellent service from both of them. Even though I am in Ontario and they were in BC; the service received from them was thousand times better than I could have received locally. Both Steve and Ryan kept me updated regularly and responded with priority to any of my questions and requirements. My home hunting process was a very long one but Steve and Ryan were always there for me throughout my home search journey for my mortgage needs. When it was time to finalize my file; Steve and Ryan finalized
Saeed Anwar
Jun 03, 2018
Report
Edgar Arabian
Jan 20, 2017
Report
Jamie Carswell
Nov 09, 2016
Report
I recently worked with Steve Pipkey to help me with the daunting task of choosing a mortgage. I was considering many different housing options, so my situation was not straight forward, and Steve diligently worked to find products that best suited my needs for each scenario. He also made an effort to explain all the terms and fine print of each. Steve thoroughly analyzed my situation, considered various lenders and strategies, and was able to find me unbelievably competitive rates! Best of all he was great to talk to, genuine and super responsive. I would highly recommend Steve as a mortgage broker
A. E.
Nov 09, 2016
Report
People who work at Spin Mortgage go above and beyond to get your needs met. I dealt with Jeff and Simon, and these guys made all impossibles possible. My lawyer admitted that she had never heard of the level of service I received to get a mortgage approved and funded in 5 business days. Jeff started working on my case when I reached out to him on a Friday night after I realized I couldn't work with my first mortgage broker. Jeff spent his weekend working on my case till Monday that Simon was assigned, and Jeff continued to supervise, and contact different lenders to find one who could fund my mortgage
Andrew
Oct 27, 2016
Report
Ryan is awesome!! Very helpful and patient throughout the long vetting process with the lender. Not to mention the awesome rate Steve was able to offer me, much lower than anywhere else, even other brokers.
Best of all everything is done electronically, makes things a lot more flexible. I would definitely recommend you give Spin a shot and see what they can do for you.
Best of all everything is done electronically, makes things a lot more flexible. I would definitely recommend you give Spin a shot and see what they can do for you.
Daniela St
Aug 02, 2016
Report
Josephine P.
Jul 17, 2016
Report
Jeff recently helped us renew our mortgage and we couldn't be happier with the outcome. Jeff took our needs into consideration to get an awesome mortgage rate for us. Dealing with him was great - Jeff is pleasant, knowledgable and totally client-focused! We had tons of questions at all hours, emails and calls were always answered completely in a timely manner (even after hours). A big shout out to Ryan who also worked really hard for us. Thanks guys!
