Get ahead with the value of your home

Tap into 80% of your home equity, no matter your credit background.
(Spring Mortgage Group Inc. – FSRA #13100)

LARGER LOAN AMOUNTS

Access more funds than other traditional borrowing options.

MAKE LOWER PAYMENTS

Combine your debts into one lower-interest payment.

NO CREDIT BARRIERS

No matter your credit score, we have a solution.

Financing that matches your home and goals

From accessing equity to covering life’s big goals, get the financing that fits just right.

Debt Consolidation

Too many debts to track? Take charge with your home equity and roll them into a single easy payment. Tap into up to 80% of your home’s value, cut the hassle of managing multiple bills and enjoy simpler finances.

Line of Credit & Mortgage Combo

Turn your mortgage into your safety cash net. Pair it with a flexible line of credit that gives you quick access to funds whenever you need them. Handle unexpected expenses, home upgrades, or big plans with confidence and ease.

Home Renovations

Give your home the upgrade it deserves. Tap into your home’s value for flexible financing that fits your budget. Get cash or a line of credit and start truly loving your space again.

Home Buying

Found your home and saved the down payment? We handle the rest! Access top rates from 40+ trusted lenders and banks, plus one-on-one expert support from start to finish.

Opening doors, one Canadian at a time

From financing their homes to accessing their equity, Canadians trust Spring. Discover their stories.

Had a fantastic experience working with Spring Mortgages. From start to finish, the agent was professional, knowledgeable, and incredibly helpful.

Doug

We worked with Spring when we wanted to renew our mortgage. They were very professional, very friendly and was able to get us a lower rate and the extra money for needed renovations.

Kate

I am extremely thankful to the mortgage agents at Spring. I am very thankful to both of them for handling my mortgage case so smoothly and in such a short period of time.

Sarvath

We felt overwhelmed with our financial situation and Spring was able to secure us a mortgage with a lower rate than our previous one! This was our first time using a mortgage broker and it was a great experience.

Chris

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.

Amber

I was very happy with Spring Mortgages service, the agent made the process simple and was very knowledgeable in his field.

Stacey

A simple process

Because homeownership and accessing your equity should be simple, not stressful.

Complete your application

Share basic details about your property, mortgage, and financial situation so we can find the right solutions for you.

We secure your approval

Shop lenders handle the paperwork, and secure your approval.

Make it official

We connect you to a firm to register the mortgage title, pay debts, and guide you through every detail.

Mortgage statement

Government issued ID

Proof of income

Property tax bill

Here’s what you’ll need

We request this information when you apply. We value your privacy, and we don’t share your sensitive information with any third parties.

Why choose Spring for your mortgage?

From approval to unlocking your home’s value, we make better borrowing possible for all credit backgrounds.

ALL-IN-ONE FINANCING

Get connected to top banks and trusted lenders through one simple application and credit check.

EXPERT SUPPORT

Our licensed mortgage agents are here to guide you through every step of the process.

EXCLUSIVE ACCESS

Reach an exclusive network of lenders available only through the broker channel.

You have questions,
we have answers.

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 lenders and investors to help you. 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 bigger lending partners with a regular prime mortgage! Reach out to us and we’ll be happy to go over specific.

What provinces do you work in?

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

How long does it take?

In mortgages, more than most other industries, each individual’s situation is very unique. This means there is large variance in the timeframe of each transaction. We work diligently to fund each file as quickly as possible. Each associate will aim to have your mortgage completed in less than the industry standard of one month. Generally, we are looking at 3–5 weeks assuming you are able to provide all required documentation. In the past, we have funded files in as short as 3 days depending on the situation.

You Deserve Better

Rates

Service

Credit

Offers

Access

Rewards

Tap into 80% of your home equity, no matter your credit background.