{"id":26103,"date":"2025-10-21T18:51:18","date_gmt":"2025-10-21T18:51:18","guid":{"rendered":"https:\/\/springfinancial.ca\/help-centre\/mortgages\/"},"modified":"2026-03-31T18:13:45","modified_gmt":"2026-03-31T18:13:45","slug":"mortgages","status":"publish","type":"page","link":"https:\/\/springfinancial.ca\/fr\/help-centre\/mortgages\/","title":{"rendered":"FAQ &#8211; Mortgages"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"26103\" class=\"elementor elementor-26103\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-50adef30 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"50adef30\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_range&quot;:&quot;viewport&quot;,&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6a4b6049 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"6a4b6049\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9d7471f elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"9d7471f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Mortgages FAQ<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43a79162 elementor-widget__width-inherit elementor-widget-tablet__width-inherit elementor-widget-mobile__width-inherit elementor-widget elementor-widget-heading\" data-id=\"43a79162\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation_tablet&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Frequently asked <br>questions<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11f518ae elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"11f518ae\" data-element_type=\"widget\" data-e-type=\"widget\" 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wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"662c8202\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-401549d elementor-widget elementor-widget-heading\" data-id=\"401549d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Mortgages<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-10f0dbde e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"10f0dbde\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-16358de5 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"16358de5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e6e637 elementor-widget elementor-widget-heading\" data-id=\"1e6e637\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Understanding Your Mortgage Options:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0b216b elementor-widget__width-inherit elementor-widget elementor-widget-n-accordion\" data-id=\"f0b216b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:200,&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2520\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2520\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> What is an equity-based mortgage? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2520\" class=\"elementor-element elementor-element-4a0c16e5 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"4a0c16e5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6fd53089 elementor-widget elementor-widget-text-editor\" data-id=\"6fd53089\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">An equity-based mortgage is a type of home financing where approval is primarily based on the value of your property and the amount of equity you have available.<\/span><\/p><p><span style=\"font-weight: 400;\">Home equity is the difference between your home\u2019s market value and the amount you still owe on your existing mortgage. The more equity you have, the more borrowing options may be available.<\/span><\/p><p><span style=\"font-weight: 400;\">Unlike traditional bank mortgages, which often focus heavily on income verification and credit score requirements, equity-based mortgages place greater emphasis on the property itself as security for the loan.<\/span><\/p><p><span style=\"font-weight: 400;\">This type of financing may be considered by homeowners who:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have significant equity in their home<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have experienced income changes<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have credit challenges<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Are looking to access funds through refinancing or a second mortgage<br \/><br \/><\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Loan approval, rates, and terms depend on your property value, available equity, and overall financial profile.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2521\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2521\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> What is a second mortgage? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2521\" class=\"elementor-element elementor-element-369a1754 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"369a1754\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-79dc47ce elementor-widget elementor-widget-text-editor\" data-id=\"79dc47ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">A second mortgage is a loan that is secured against your home in addition to your existing (first) mortgage.<\/span><\/p><p><span style=\"font-weight: 400;\">If you already have a mortgage on your property and need to access additional funds, a second mortgage allows you to borrow against the equity you have built in your home without replacing your current mortgage.<\/span><\/p><p><span style=\"font-weight: 400;\">Second mortgages are commonly used for:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Debt consolidation<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Home renovations<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Covering unexpected expenses<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accessing capital without refinancing the first mortgage<br \/><br \/><\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Because it is registered behind your first mortgage, a second mortgage typically has different terms than your primary mortgage. Approval is generally based on your available home equity, property value, and overall financial profile.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2522\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2522\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> What is a private mortgage? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2522\" class=\"elementor-element elementor-element-58bc463c e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"58bc463c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5aae4879 elementor-widget elementor-widget-text-editor\" data-id=\"5aae4879\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<section class=\"app-section\" data-v-51f667e0=\"\" data-v-3ad3d15a=\"\" data-v-3593c3e9=\"\"><div class=\"help-centre-answer\" data-v-3ad3d15a=\"\" data-v-51f667e0=\"\"><div class=\"container\" data-v-3ad3d15a=\"\" data-v-51f667e0=\"\"><div class=\"max-w-600 md:w-600\" data-v-3ad3d15a=\"\" data-v-51f667e0=\"\"><p><span style=\"font-weight: 400;\">A private mortgage is a home loan provided by an individual investor or private lending institution rather than a traditional bank or credit union.<\/span><\/p><p><span style=\"font-weight: 400;\">Private mortgages are typically secured against the equity in your home and are often considered when traditional lending criteria may be difficult to meet. Instead of focusing primarily on income verification or strict credit requirements, private lenders generally place greater emphasis on:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Property value<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Available home equity<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Exit strategy (how the loan will be repaid or refinanced)<br \/><br \/><\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Private mortgages are commonly used for:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Short-term financing needs<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bridging between property transactions<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Debt restructuring<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Time-sensitive situations<br \/><br \/><\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Terms and rates vary depending on the property and overall risk profile. Private mortgages are often structured as shorter-term solutions, with the intention of refinancing into a traditional mortgage when possible.<\/span><\/p><\/div><\/div><\/div><\/section>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2523\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2523\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> What is the difference between refinancing and a second mortgage? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2523\" class=\"elementor-element elementor-element-5d3afd27 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"5d3afd27\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-50447c85 elementor-widget elementor-widget-text-editor\" data-id=\"50447c85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<section class=\"app-section\" data-v-51f667e0=\"\" data-v-3ad3d15a=\"\" data-v-3593c3e9=\"\"><div class=\"help-centre-answer\" data-v-3ad3d15a=\"\" data-v-51f667e0=\"\"><div class=\"container\" data-v-3ad3d15a=\"\" data-v-51f667e0=\"\"><div class=\"max-w-600 md:w-600\" data-v-3ad3d15a=\"\" data-v-51f667e0=\"\"><p><span style=\"font-weight: 400;\">Refinancing replaces your existing mortgage with a new loan, while a second mortgage is an additional loan that sits behind your current mortgage.<\/span><\/p><p><span style=\"font-weight: 400;\">With refinancing, your current mortgage is paid off and replaced with a new mortgage that may have different terms, interest rates, or a higher loan amount if you are accessing equity. This can be useful if you want to consolidate debt, lower payments, or access home equity.<\/span><\/p><p><span style=\"font-weight: 400;\">A second mortgage allows you to borrow against your home equity without changing your existing first mortgage. It is added on top of your current mortgage and typically has its own terms and repayment structure.<\/span><\/p><p><span style=\"font-weight: 400;\">The right option depends on your available equity, current mortgage terms, and overall financial goals. If you\u2019d like to explore which solution may be suitable for you, you can start your <\/span><span style=\"text-decoration: underline;\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/app.springfinancial.ca\/mortgage?_gl=1*wj7ofp*_gcl_aw*R0NMLjE3NjYxODg5MDEuQ2owS0NRaUFqSlRLQmhDakFSSXNBSU1DNDRfbU80M1BIOFMyZlV6QkoxMU1ja24tZ05Qam9rTmJQM1VXZS0xNG9jcFFMMk96S05MNzdjb2FBcU1PRUFMd193Y0I.*_gcl_au*NjE2MTI5MTQyLjE3NzIyMjU1Nzk.*_ga*MTA4NTIwMTk0OS4xNzQ5ODQyMTE0*_ga_HPFKPP4K8S*czE3NzI2NDc4NDgkbzcwJGcxJHQxNzcyNjQ3OTIxJGo1OSRsMCRoMA..\">mortgage application here<\/a><\/span><span style=\"font-weight: 400;\">.<\/span><\/span><\/p><\/div><\/div><\/div><\/section>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2524\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2524\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> What mortgage rates do you offer? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2524\" class=\"elementor-element elementor-element-7679ca44 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"7679ca44\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cafd5f9 elementor-widget elementor-widget-text-editor\" data-id=\"cafd5f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Mortgage rates vary based on your individual situation and current market conditions.<\/span><\/p><p><span style=\"font-weight: 400;\">As a mortgage brokerage, Spring Mortgage Group works with a network of banks, lenders, and institutional partners to help find competitive rate options tailored to your property, equity, and overall financial profile.<\/span><\/p><p><span style=\"font-weight: 400;\">Rates are influenced by factors such as:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Property value and available equity<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Credit profile<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Income and existing debt<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Loan type and term<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Current market conditions, including Bank of Canada rate changes<br \/><br \/><\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Because rates change frequently, the most accurate way to determine what may be available to you is to start your <\/span><a href=\"https:\/\/app.springfinancial.ca\/mortgage?_gl=1*wj7ofp*_gcl_aw*R0NMLjE3NjYxODg5MDEuQ2owS0NRaUFqSlRLQmhDakFSSXNBSU1DNDRfbU80M1BIOFMyZlV6QkoxMU1ja24tZ05Qam9rTmJQM1VXZS0xNG9jcFFMMk96S05MNzdjb2FBcU1PRUFMd193Y0I.*_gcl_au*NjE2MTI5MTQyLjE3NzIyMjU1Nzk.*_ga*MTA4NTIwMTk0OS4xNzQ5ODQyMTE0*_ga_HPFKPP4K8S*czE3NzI2NDc4NDgkbzcwJGcxJHQxNzcyNjQ3OTIxJGo1OSRsMCRoMA..\"><span style=\"text-decoration: underline;\"><span style=\"font-weight: 400;\">mortgage application here<\/span><\/span><\/a><span style=\"font-weight: 400;\"> and receive a personalized quote.<\/span><\/p><p><span style=\"font-weight: 400;\">Mortgage services are available to eligible homeowners in Ontario, British Columbia, and Alberta.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is an equity-based mortgage?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"An equity-based mortgage is a type of home financing where approval is primarily based on the value of your property and the amount of equity you have available.Home equity is the difference between your home\\u2019s market value and the amount you still owe on your existing mortgage. The more equity you have, the more borrowing options may be available.Unlike traditional bank mortgages, which often focus heavily on income verification and credit score requirements, equity-based mortgages place greater emphasis on the property itself as security for the loan.This type of financing may be considered by homeowners who:Have significant equity in their homeHave experienced income changesHave credit challengesAre looking to access funds through refinancing or a second mortgageLoan approval, rates, and terms depend on your property value, available equity, and overall financial profile.\"}},{\"@type\":\"Question\",\"name\":\"What is a second mortgage?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A second mortgage is a loan that is secured against your home in addition to your existing (first) mortgage.If you already have a mortgage on your property and need to access additional funds, a second mortgage allows you to borrow against the equity you have built in your home without replacing your current mortgage.Second mortgages are commonly used for:Debt consolidationHome renovationsCovering unexpected expensesAccessing capital without refinancing the first mortgageBecause it is registered behind your first mortgage, a second mortgage typically has different terms than your primary mortgage. Approval is generally based on your available home equity, property value, and overall financial profile.\"}},{\"@type\":\"Question\",\"name\":\"What is a private mortgage?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A private mortgage is a home loan provided by an individual investor or private lending institution rather than a traditional bank or credit union.Private mortgages are typically secured against the equity in your home and are often considered when traditional lending criteria may be difficult to meet. Instead of focusing primarily on income verification or strict credit requirements, private lenders generally place greater emphasis on:Property valueAvailable home equityExit strategy (how the loan will be repaid or refinanced)Private mortgages are commonly used for:Short-term financing needsBridging between property transactionsDebt restructuringTime-sensitive situationsTerms and rates vary depending on the property and overall risk profile. Private mortgages are often structured as shorter-term solutions, with the intention of refinancing into a traditional mortgage when possible.\"}},{\"@type\":\"Question\",\"name\":\"What is the difference between refinancing and a second mortgage?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Refinancing replaces your existing mortgage with a new loan, while a second mortgage is an additional loan that sits behind your current mortgage.With refinancing, your current mortgage is paid off and replaced with a new mortgage that may have different terms, interest rates, or a higher loan amount if you are accessing equity. This can be useful if you want to consolidate debt, lower payments, or access home equity.A second mortgage allows you to borrow against your home equity without changing your existing first mortgage. It is added on top of your current mortgage and typically has its own terms and repayment structure.The right option depends on your available equity, current mortgage terms, and overall financial goals. If you\\u2019d like to explore which solution may be suitable for you, you can start your mortgage application here.\"}},{\"@type\":\"Question\",\"name\":\"What mortgage rates do you offer?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Mortgage rates vary based on your individual situation and current market conditions.As a mortgage brokerage, Spring Mortgage Group works with a network of banks, lenders, and institutional partners to help find competitive rate options tailored to your property, equity, and overall financial profile.Rates are influenced by factors such as:Property value and available equityCredit profileIncome and existing debtLoan type and termCurrent market conditions, including Bank of Canada rate changesBecause rates change frequently, the most accurate way to determine what may be available to you is to start your mortgage application here and receive a personalized quote.Mortgage services are available to eligible homeowners in Ontario, British Columbia, and Alberta.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3d1dab03 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"3d1dab03\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6cc6594d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"6cc6594d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ddb714d elementor-widget elementor-widget-heading\" data-id=\"2ddb714d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Home Equity &amp; Borrowing\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5698517a elementor-widget__width-inherit elementor-widget elementor-widget-n-accordion\" data-id=\"5698517a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:200,&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1450\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1450\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> How much can I borrow against my home equity? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1450\" class=\"elementor-element elementor-element-61e87228 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"61e87228\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12940ae9 elementor-widget elementor-widget-text-editor\" data-id=\"12940ae9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The amount you can borrow depends on your home\u2019s current market value and the amount you still owe on your existing mortgage.<\/span><\/p><p><span style=\"font-weight: 400;\">Home equity is calculated as:<\/span><\/p><p><b>Current property value \u2013 outstanding mortgage balance<\/b><\/p><p><span style=\"font-weight: 400;\">Lenders typically assess the total loan-to-value ratio (LTV), which represents the percentage of your home\u2019s value that is financed after adding the new loan. Many lenders allow for refinancing up to 80% LTV, but this can be limited based on credit, location, property type and lender.<\/span><\/p><p><span style=\"font-weight: 400;\">The maximum amount available will depend on several factors, including:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Property value<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Existing mortgage balance<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Type of mortgage product (refinance, second mortgage, or private mortgage)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Credit profile and overall financial situation<br \/><br \/><\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Because lending guidelines vary between traditional and alternative lenders, the most accurate way to determine your available borrowing amount is to <\/span><span style=\"font-weight: 400;\">complete an application<\/span><span style=\"font-weight: 400;\"> so your property and equity can be reviewed.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1451\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1451\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Can I use a second mortgage to consolidate debt? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1451\" class=\"elementor-element elementor-element-3b33d95f e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"3b33d95f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-23436bb6 elementor-widget elementor-widget-text-editor\" data-id=\"23436bb6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Yes, a second mortgage can be used to consolidate higher-interest debt by leveraging the equity in your home.<\/span><\/p><p><span style=\"font-weight: 400;\">With a second mortgage, you borrow against your available home equity and use the funds to pay off existing debts such as credit cards, unsecured loans, or other outstanding balances. This allows you to combine multiple payments into one structured mortgage payment.<\/span><\/p><p><span style=\"font-weight: 400;\">Whether this option makes sense depends on your available equity, current mortgage terms, and overall financial situation. Our team can review your details and determine whether a second mortgage for debt consolidation may be suitable for you.<\/span><\/p><p><span style=\"font-weight: 400;\">If you\u2019d like to explore your options, you can start your <\/span><a href=\"https:\/\/app.springfinancial.ca\/mortgage?_gl=1*wj7ofp*_gcl_aw*R0NMLjE3NjYxODg5MDEuQ2owS0NRaUFqSlRLQmhDakFSSXNBSU1DNDRfbU80M1BIOFMyZlV6QkoxMU1ja24tZ05Qam9rTmJQM1VXZS0xNG9jcFFMMk96S05MNzdjb2FBcU1PRUFMd193Y0I.*_gcl_au*NjE2MTI5MTQyLjE3NzIyMjU1Nzk.*_ga*MTA4NTIwMTk0OS4xNzQ5ODQyMTE0*_ga_HPFKPP4K8S*czE3NzI2NDc4NDgkbzcwJGcxJHQxNzcyNjQ3OTIxJGo1OSRsMCRoMA..\"><span style=\"text-decoration: underline;\"><span style=\"font-weight: 400;\">mortgage application here<\/span><span style=\"font-weight: 400;\">.<\/span><\/span><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7bd05e8a e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"7bd05e8a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6cdc5277 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"6cdc5277\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2eaf992d elementor-widget elementor-widget-heading\" data-id=\"2eaf992d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Applying with Bad Credit\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6cfa4987 elementor-widget__width-inherit elementor-widget elementor-widget-n-accordion\" data-id=\"6cfa4987\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:200,&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1820\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1820\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Can I qualify for a mortgage with bad credit? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1820\" class=\"elementor-element elementor-element-1bf83e79 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"1bf83e79\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6009d0f7 elementor-widget elementor-widget-text-editor\" data-id=\"6009d0f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Yes, qualifying for a mortgage may still be possible even if you have bruised credit, a past bankruptcy, or a consumer proposal.<\/span><\/p><p><span style=\"font-weight: 400;\">Spring Mortgage Group focuses on equity-based mortgage solutions, which means approval is often based more heavily on your property value and available home equity rather than credit score alone.<\/span><\/p><p><span style=\"font-weight: 400;\">Eligibility depends on factors such as:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Property value<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Available home equity<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Income stability<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Overall financial profile<br \/><br \/><\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">In some situations, alternative or private lending solutions may be available when traditional banks are not an option.<\/span><\/p><p><span style=\"font-weight: 400;\">If you\u2019re unsure whether you qualify, the best way to find out is to <\/span><a href=\"https:\/\/app.springfinancial.ca\/mortgage?_gl=1*wj7ofp*_gcl_aw*R0NMLjE3NjYxODg5MDEuQ2owS0NRaUFqSlRLQmhDakFSSXNBSU1DNDRfbU80M1BIOFMyZlV6QkoxMU1ja24tZ05Qam9rTmJQM1VXZS0xNG9jcFFMMk96S05MNzdjb2FBcU1PRUFMd193Y0I.*_gcl_au*NjE2MTI5MTQyLjE3NzIyMjU1Nzk.*_ga*MTA4NTIwMTk0OS4xNzQ5ODQyMTE0*_ga_HPFKPP4K8S*czE3NzI2NDc4NDgkbzcwJGcxJHQxNzcyNjQ3OTIxJGo1OSRsMCRoMA..\"><span style=\"text-decoration: underline;\"><span style=\"font-weight: 400;\">start an application<\/span><\/span><\/a><span style=\"font-weight: 400;\"> here so we can review your specific situation.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1821\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1821\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Can I refinance my mortgage with bad credit? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1821\" class=\"elementor-element elementor-element-15714e8 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"15714e8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-628363ca elementor-widget elementor-widget-text-editor\" data-id=\"628363ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">It may be possible, depending on your home equity and overall financial situation.<\/span><\/p><p><span style=\"font-weight: 400;\">While traditional banks often place significant emphasis on credit score and income verification, some refinancing options focus more heavily on your property value and available equity.<\/span><\/p><p><span style=\"font-weight: 400;\">If you have built equity in your home, you may have refinancing solutions available even if your credit profile has changed due to missed payments, income disruption, or past financial challenges.<\/span><\/p><p><span style=\"font-weight: 400;\">Mortgage refinancing options may be used to:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Consolidate higher-interest debt<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Access funds for renovations or other expenses<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Restructure existing mortgage payments<br \/><br \/><\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Approval, rates, and terms will depend on factors such as:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Property value<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Total loan-to-value ratio<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Income stability<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Overall risk profile<br \/><br \/><\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">A review of your specific situation is required to determine what options may be available. If you would like to explore your refinancing options, you can start your mortgage <\/span><a href=\"https:\/\/app.springfinancial.ca\/mortgage?_gl=1*wj7ofp*_gcl_aw*R0NMLjE3NjYxODg5MDEuQ2owS0NRaUFqSlRLQmhDakFSSXNBSU1DNDRfbU80M1BIOFMyZlV6QkoxMU1ja24tZ05Qam9rTmJQM1VXZS0xNG9jcFFMMk96S05MNzdjb2FBcU1PRUFMd193Y0I.*_gcl_au*NjE2MTI5MTQyLjE3NzIyMjU1Nzk.*_ga*MTA4NTIwMTk0OS4xNzQ5ODQyMTE0*_ga_HPFKPP4K8S*czE3NzI2NDc4NDgkbzcwJGcxJHQxNzcyNjQ3OTIxJGo1OSRsMCRoMA..\"><span style=\"text-decoration: underline;\"><span style=\"font-weight: 400;\">application online here<\/span><span style=\"font-weight: 400;\">.<\/span><\/span><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1822\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1822\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Do I need traditional proof of income for a private mortgage? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1822\" class=\"elementor-element elementor-element-66ad3d76 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"66ad3d76\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-631ef4e7 elementor-widget elementor-widget-text-editor\" data-id=\"631ef4e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Not always. Private mortgage approval is often based more heavily on your available home equity than on traditional income documentation.<\/span><\/p><p><span style=\"font-weight: 400;\">While lenders will still assess your ability to manage payments, private mortgage solutions may offer greater flexibility for individuals who are self-employed, have non-traditional income sources, or have difficulty qualifying through conventional banks.<\/span><\/p><p><span style=\"font-weight: 400;\">Requirements vary depending on your specific situation, property value, and overall financial profile. The best way to determine what documentation may be required is to start your <a href=\"https:\/\/app.springfinancial.ca\/mortgage?_gl=1*wj7ofp*_gcl_aw*R0NMLjE3NjYxODg5MDEuQ2owS0NRaUFqSlRLQmhDakFSSXNBSU1DNDRfbU80M1BIOFMyZlV6QkoxMU1ja24tZ05Qam9rTmJQM1VXZS0xNG9jcFFMMk96S05MNzdjb2FBcU1PRUFMd193Y0I.*_gcl_au*NjE2MTI5MTQyLjE3NzIyMjU1Nzk.*_ga*MTA4NTIwMTk0OS4xNzQ5ODQyMTE0*_ga_HPFKPP4K8S*czE3NzI2NDc4NDgkbzcwJGcxJHQxNzcyNjQ3OTIxJGo1OSRsMCRoMA..\"><span style=\"text-decoration: underline;\">mortgage application online here<\/span><\/a><\/span><span style=\"font-weight: 400;\">\u00a0so our team can review your details.<\/span><\/p><p><span style=\"font-weight: 400;\">Mortgage services are available to eligible homeowners in Ontario, British Columbia, and Alberta.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-17e5ff0a e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"17e5ff0a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-73194711 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"73194711\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f9d2dd4 elementor-widget elementor-widget-heading\" data-id=\"4f9d2dd4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">The Application &amp; Approval Process<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20d79eb elementor-widget__width-inherit elementor-widget elementor-widget-n-accordion\" data-id=\"20d79eb\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:200,&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3440\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3440\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> How does the mortgage process work? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3440\" class=\"elementor-element elementor-element-348b2724 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"348b2724\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-72be7c9 elementor-widget elementor-widget-text-editor\" data-id=\"72be7c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Spring Mortgage Group provides equity-based mortgage financing for eligible homeowners in Ontario, British Columbia, and Alberta.<\/span><\/p><p><span style=\"font-weight: 400;\">We offer solutions such as first and second mortgages, refinancing, home equity loans, and home equity lines of credit (HELOCs). The right option depends on your property value, available equity, and overall financial situation.<\/span><\/p><p><span style=\"font-weight: 400;\">The process begins with a consultation to review your goals and property details. Most of the application and documentation process can be completed online. Once we identify a suitable option, your file is submitted to our lending partners for review.<\/span><\/p><p><span style=\"font-weight: 400;\">If you approve the quoted terms, we coordinate final approval and funding. Depending on the province and specific transaction requirements, certain steps may require additional verification or legal formalities.<\/span><\/p><p><span style=\"font-weight: 400;\">If you\u2019re ready to explore your options, you can start your <\/span><a href=\"https:\/\/app.springfinancial.ca\/mortgage?_gl=1*wj7ofp*_gcl_aw*R0NMLjE3NjYxODg5MDEuQ2owS0NRaUFqSlRLQmhDakFSSXNBSU1DNDRfbU80M1BIOFMyZlV6QkoxMU1ja24tZ05Qam9rTmJQM1VXZS0xNG9jcFFMMk96S05MNzdjb2FBcU1PRUFMd193Y0I.*_gcl_au*NjE2MTI5MTQyLjE3NzIyMjU1Nzk.*_ga*MTA4NTIwMTk0OS4xNzQ5ODQyMTE0*_ga_HPFKPP4K8S*czE3NzI2NDc4NDgkbzcwJGcxJHQxNzcyNjQ3OTIxJGo1OSRsMCRoMA..\"><span style=\"text-decoration: underline;\"><span style=\"font-weight: 400;\">application online here<\/span><span style=\"font-weight: 400;\">.<\/span><\/span><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3441\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3441\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> What provinces do you offer mortgages in? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3441\" class=\"elementor-element elementor-element-6803e5f2 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"6803e5f2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4e5f6e84 elementor-widget elementor-widget-text-editor\" data-id=\"4e5f6e84\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Spring Financial offers mortgage and home equity lending services in Ontario, British Columbia, and Alberta.<\/span><\/p><p><span style=\"font-weight: 400;\">If your property is located in one of these provinces, you can start your <\/span><a href=\"https:\/\/app.springfinancial.ca\/mortgage?_gl=1*wj7ofp*_gcl_aw*R0NMLjE3NjYxODg5MDEuQ2owS0NRaUFqSlRLQmhDakFSSXNBSU1DNDRfbU80M1BIOFMyZlV6QkoxMU1ja24tZ05Qam9rTmJQM1VXZS0xNG9jcFFMMk96S05MNzdjb2FBcU1PRUFMd193Y0I.*_gcl_au*NjE2MTI5MTQyLjE3NzIyMjU1Nzk.*_ga*MTA4NTIwMTk0OS4xNzQ5ODQyMTE0*_ga_HPFKPP4K8S*czE3NzI2NDc4NDgkbzcwJGcxJHQxNzcyNjQ3OTIxJGo1OSRsMCRoMA..\"><span style=\"text-decoration: underline;\"><span style=\"font-weight: 400;\">mortgage application here<\/span><\/span><\/a><span style=\"font-weight: 400;\"> to explore available options.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3442\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3442\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> How long does the mortgage process take? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3442\" class=\"elementor-element elementor-element-3e2fe282 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"3e2fe282\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-39b2b0c3 elementor-widget elementor-widget-text-editor\" data-id=\"39b2b0c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The timeline for a mortgage transaction can vary depending on your individual situation, property details, and how quickly required documentation is provided.<\/span><\/p><p><span style=\"font-weight: 400;\">In most cases, mortgage transactions are completed within approximately <\/span><b>3 to 5 weeks<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Factors that can affect timing include:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How quickly documentation is submitted<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Property type and appraisal requirements<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lender underwriting timelines<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Complexity of your financial profile<br \/><br \/><\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">In certain straightforward cases, funding may occur more quickly. Your mortgage associate will provide a more accurate estimate based on your specific file.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3443\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3443\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Do you charge mortgage broker fees? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3443\" class=\"elementor-element elementor-element-57eb3d86 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"57eb3d86\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7a2eee7f elementor-widget elementor-widget-text-editor\" data-id=\"7a2eee7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">In many mortgage transactions, particularly alternative or non-traditional financing, a broker fee may apply.<\/span><\/p><p><span style=\"font-weight: 400;\">Any applicable fee will always be clearly disclosed in writing before you sign any documentation. There are no upfront broker fees \u2014 fees are only payable upon successful completion of the mortgage transaction and are typically deducted directly from the mortgage proceeds.<\/span><\/p><p><span style=\"font-weight: 400;\">Our team will review all costs with you in advance so you can make an informed decision.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c88bf12 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"c88bf12\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6d7c8dcc e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"6d7c8dcc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-631adfb3 elementor-widget elementor-widget-heading\" data-id=\"631adfb3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Need more information?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1b63ae16 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"1b63ae16\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5f519780 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"5f519780\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-173468ee e-grid e-con-full wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"173468ee\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-297aed8 e-con-full pink-border e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"297aed8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;,&quot;animation_delay&quot;:400}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-43e2063f elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"43e2063f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"40\" viewBox=\"0 0 40 40\" fill=\"none\"><path d=\"M15.0289 1.83084C13.8014 2.87691 12.2752 3.5091 10.6675 3.63739C6.91589 3.93677 3.93677 6.91589 3.63739 10.6675C3.5091 12.2752 2.87691 13.8014 1.83084 15.0289C-0.610279 17.8934 -0.610279 22.1066 1.83084 24.9711C2.87691 26.1986 3.5091 27.7248 3.63739 29.3325C3.93677 33.0841 6.91589 36.0632 10.6675 36.3626C12.2752 36.4909 13.8014 37.1231 15.0289 38.1692C17.8934 40.6103 22.1066 40.6103 24.9711 38.1692C26.1986 37.1231 27.7248 36.4909 29.3325 36.3626C33.0841 36.0632 36.0632 33.0841 36.3626 29.3325C36.4909 27.7248 37.1231 26.1986 38.1692 24.9711C40.6103 22.1066 40.6103 17.8934 38.1692 15.0289C37.1231 13.8014 36.4909 12.2752 36.3626 10.6675C36.0632 6.91589 33.0841 3.93677 29.3325 3.63739C27.7248 3.5091 26.1986 2.87691 24.9711 1.83084C22.1066 -0.610279 17.8934 -0.610279 15.0289 1.83084Z\" fill=\"#3800A7\"><\/path><path d=\"M28.5049 24.1855C28.5058 27.0027 26.22 29.5271 23.3975 29.8232L17.498 30.4443L17.4961 21.0449C17.4939 18.2276 19.7809 15.7034 22.6025 15.4062V15.4072L28.5029 14.7852L28.5049 24.1855ZM23 12.8477L22.3408 12.917C21.3324 13.0233 20.3574 13.3213 19.4443 13.8027C18.5759 14.2613 17.7986 14.8665 17.1328 15.6016C16.4659 16.339 15.9409 17.1734 15.5732 18.0811C15.1851 19.0385 14.9893 20.0381 14.9893 21.0508L14.9902 21.0518V25.1729L11.9941 25.4883L11.9922 16.0889C11.99 13.2716 14.277 10.7474 17.0986 10.4502L23 9.82812V12.8477Z\" fill=\"white\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6170e977 elementor-widget elementor-widget-heading\" data-id=\"6170e977\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Personal Loans<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d8df37 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3d8df37\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Borrow $500 &#8211; $35,000 with rates starting at 9.99%* as soon as today.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b86e68a elementor-absolute elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"7b86e68a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon elementor-animation-shrink\" href=\"https:\/\/springfinancial.ca\/help-centre\/personal-loans\/\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"43\" height=\"42\" viewBox=\"0 0 43 42\" fill=\"none\"><path d=\"M21.666 29L29.666 21M29.666 21L21.666 13M29.666 21H13.666M41.666 21C41.666 32.0457 32.7117 41 21.666 41C10.6203 41 1.66602 32.0457 1.66602 21C1.66602 9.9543 10.6203 1 21.666 1C32.7117 1 41.666 9.9543 41.666 21Z\" stroke=\"#3800A7\" stroke-width=\"1.74545\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-23f8b157 e-con-full blue-border e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"23f8b157\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;,&quot;animation_delay&quot;:100}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2dacadc1 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"2dacadc1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"40\" viewBox=\"0 0 40 40\" fill=\"none\"><path d=\"M15.0289 1.83084C13.8014 2.87691 12.2752 3.5091 10.6675 3.63739C6.91589 3.93677 3.93677 6.91589 3.63739 10.6675C3.5091 12.2752 2.87691 13.8014 1.83084 15.0289C-0.610279 17.8934 -0.610279 22.1066 1.83084 24.9711C2.87691 26.1986 3.5091 27.7248 3.63739 29.3325C3.93677 33.0841 6.91589 36.0632 10.6675 36.3626C12.2752 36.4909 13.8014 37.1231 15.0289 38.1692C17.8934 40.6103 22.1066 40.6103 24.9711 38.1692C26.1986 37.1231 27.7248 36.4909 29.3325 36.3626C33.0841 36.0632 36.0632 33.0841 36.3626 29.3325C36.4909 27.7248 37.1231 26.1986 38.1692 24.9711C40.6103 22.1066 40.6103 17.8934 38.1692 15.0289C37.1231 13.8014 36.4909 12.2752 36.3626 10.6675C36.0632 6.91589 33.0841 3.93677 29.3325 3.63739C27.7248 3.5091 26.1986 2.87691 24.9711 1.83084C22.1066 -0.610279 17.8934 -0.610279 15.0289 1.83084Z\" fill=\"#3800A7\"><\/path><path d=\"M26.9629 21.0371C26.9629 22.7737 26.2939 24.4694 25.0791 25.8115C23.9963 27.0084 22.5767 27.8101 21.0498 28.0947V28.1133L20.6855 28.1533C20.6272 28.1604 20.569 28.1678 20.5137 28.1738L20.0215 28.2246L18.2217 28.4199L18.2168 28.4268L18.2002 28.4297V19.4844C18.2002 18.5166 18.5572 17.5867 19.2051 16.8672C19.853 16.1477 20.7404 15.6956 21.7031 15.5947L24.1133 15.3418V13.0859L19.7119 13.5488C18.6806 13.6578 17.7036 14.1679 16.9619 14.9873C16.2232 15.8047 15.8154 16.8213 15.8154 17.8486V28.7051L12.9648 29.0088V17.8486C12.9648 16.1119 13.6337 14.4164 14.8486 13.0742C16.0616 11.7331 17.6834 10.8946 19.415 10.7129L19.4131 10.7119L26.9629 9.91797V21.0371ZM24.083 18.209L24.084 18.2178L22.001 18.4365C21.595 18.4796 21.2634 18.7445 21.123 19.1035C21.0782 19.2213 21.0537 19.3493 21.0537 19.4824V25.1572C21.3292 25.0674 21.5981 24.9481 21.8555 24.7998C22.2662 24.5637 22.6408 24.2598 22.9688 23.8975C23.7074 23.08 24.1152 22.0634 24.1152 21.0361V18.207L24.1162 18.2061L24.083 18.209Z\" fill=\"white\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31c56bdd elementor-widget elementor-widget-heading\" data-id=\"31c56bdd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">The Foundation<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66d51215 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"66d51215\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Grow your credit profile and secure a guaranteed loan once you finish the program.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b647294 elementor-absolute elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"3b647294\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon elementor-animation-shrink\" href=\"https:\/\/springfinancial.ca\/help-centre\/the-foundation\/\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"43\" height=\"42\" viewBox=\"0 0 43 42\" fill=\"none\"><path d=\"M21.666 29L29.666 21M29.666 21L21.666 13M29.666 21H13.666M41.666 21C41.666 32.0457 32.7117 41 21.666 41C10.6203 41 1.66602 32.0457 1.66602 21C1.66602 9.9543 10.6203 1 21.666 1C32.7117 1 41.666 9.9543 41.666 21Z\" stroke=\"#3800A7\" stroke-width=\"1.74545\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e50c834 e-con-full gradient-border e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"e50c834\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;,&quot;animation_delay&quot;:200}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3c80d113 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"3c80d113\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"40\" viewBox=\"0 0 40 40\" fill=\"none\"><g clip-path=\"url(#clip0_5439_9494)\"><path d=\"M15.1123 2.71917C13.9596 3.70144 12.5265 4.29506 11.0169 4.41553C7.49406 4.69665 4.69665 7.49406 4.41553 11.0169C4.29506 12.5265 3.70144 13.9596 2.71917 15.1123C0.426944 17.8021 0.426944 21.7582 2.71917 24.448C3.70144 25.6006 4.29506 27.0338 4.41553 28.5434C4.69665 32.0662 7.49406 34.8636 11.0169 35.1447C12.5265 35.2652 13.9596 35.8588 15.1123 36.8411C17.8021 39.1333 21.7582 39.1333 24.448 36.8411C25.6006 35.8588 27.0338 35.2652 28.5434 35.1447C32.0662 34.8636 34.8636 32.0662 35.1447 28.5434C35.2652 27.0338 35.8588 25.6006 36.8411 24.448C39.1333 21.7582 39.1333 17.8021 36.8411 15.1123C35.8588 13.9596 35.2652 12.5265 35.1447 11.0169C34.8636 7.49406 32.0662 4.69665 28.5434 4.41553C27.0338 4.29506 25.6006 3.70144 24.448 2.71917C21.7582 0.426944 17.8021 0.426944 15.1123 2.71917Z\" fill=\"#3800A7\" stroke=\"#3800A7\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><mask id=\"mask0_5439_9494\" style=\"mask-type:luminance\" maskUnits=\"userSpaceOnUse\" x=\"13\" y=\"9\" width=\"15\" height=\"21\"><path d=\"M27.1689 9.99805H13V29.8705H27.1689V9.99805Z\" fill=\"white\"><\/path><\/mask><g mask=\"url(#mask0_5439_9494)\"><path d=\"M24.625 15.598L27.1712 15.3346V11.9648L24.625 15.598Z\" fill=\"white\"><\/path><path d=\"M19.7812 22.5068L27.1688 21.743V18.1309L22.5107 18.6123L19.7812 22.5068Z\" fill=\"white\"><\/path><path d=\"M14.625 29.8705L20.5984 29.2425C23.3212 28.9564 25.6574 27.0559 26.6559 24.5918L17.674 25.5202L14.625 29.8705Z\" fill=\"white\"><\/path><path d=\"M25.8462 9.99805L19.5753 10.657C15.9438 11.039 13 14.2919 13 17.9234V28.3269L25.8462 9.99805Z\" fill=\"white\"><\/path><\/g><\/g><defs><clipPath id=\"clip0_5439_9494\"><rect width=\"40\" height=\"40\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-146651bc elementor-widget elementor-widget-heading\" data-id=\"146651bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Evergreen Loan<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40f3f9b5 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"40f3f9b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Your $1,500 guaranteed loan* after completing The Foundation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42951e66 elementor-absolute elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"42951e66\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon elementor-animation-shrink\" href=\"https:\/\/springfinancial.ca\/help-centre\/evergreen-loan\/\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"43\" height=\"42\" viewBox=\"0 0 43 42\" fill=\"none\"><path d=\"M21.666 29L29.666 21M29.666 21L21.666 13M29.666 21H13.666M41.666 21C41.666 32.0457 32.7117 41 21.666 41C10.6203 41 1.66602 32.0457 1.66602 21C1.66602 9.9543 10.6203 1 21.666 1C32.7117 1 41.666 9.9543 41.666 21Z\" stroke=\"#3800A7\" stroke-width=\"1.74545\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-502dea75 e-con-full blue-border e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"502dea75\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;,&quot;animation_delay&quot;:300}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-772d1fdf elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"772d1fdf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"40\" viewBox=\"0 0 40 40\" fill=\"none\"><path d=\"M15.0289 1.83084C13.8014 2.87691 12.2752 3.5091 10.6675 3.63739C6.91589 3.93677 3.93677 6.91589 3.63739 10.6675C3.5091 12.2752 2.87691 13.8014 1.83084 15.0289C-0.610279 17.8934 -0.610279 22.1066 1.83084 24.9711C2.87691 26.1986 3.5091 27.7248 3.63739 29.3325C3.93677 33.0841 6.91589 36.0632 10.6675 36.3626C12.2752 36.4909 13.8014 37.1231 15.0289 38.1692C17.8934 40.6103 22.1066 40.6103 24.9711 38.1692C26.1986 37.1231 27.7248 36.4909 29.3325 36.3626C33.0841 36.0632 36.0632 33.0841 36.3626 29.3325C36.4909 27.7248 37.1231 26.1986 38.1692 24.9711C40.6103 22.1066 40.6103 17.8934 38.1692 15.0289C37.1231 13.8014 36.4909 12.2752 36.3626 10.6675C36.0632 6.91589 33.0841 3.93677 29.3325 3.63739C27.7248 3.5091 26.1986 2.87691 24.9711 1.83084C22.1066 -0.610279 17.8934 -0.610279 15.0289 1.83084Z\" fill=\"#3800A7\"><\/path><path d=\"M16.123 30.1729L12.96 30.4912V24.3965L16.123 24.084V30.1729ZM27.7852 22.4121C27.7851 26.0491 24.7059 29.308 20.9062 29.6904L18.7002 29.9121V26.2998L20.8086 26.0537C23.0052 25.7962 24.6621 23.7784 24.6621 21.3613V18.9658L24.6631 18.9668L27.7852 18.6592V22.4121ZM22.085 21.3613C22.085 22.5149 21.3858 23.5 20.4941 23.6045L18.6973 23.8154V19.041L18.6992 19.04C18.6992 17.8798 19.4015 16.8948 20.2979 16.7959L22.085 16.5986V21.3613ZM27.7832 16.2637L24.6611 16.5713V13.833L20.0039 14.3457C17.7914 14.5901 16.123 16.6087 16.123 19.041V21.6875L12.96 22V18.3516C12.96 14.7145 16.0402 11.4547 19.8389 11.0723L27.7832 10.2734V16.2637Z\" fill=\"white\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45578f12 elementor-widget elementor-widget-heading\" data-id=\"45578f12\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Private Sales<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80eee25 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"80eee25\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Any seller. Any vehicle. Any credit. Apply online for $3,500- $75,000 today.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f219e55 elementor-absolute elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"5f219e55\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon elementor-animation-shrink\" href=\"https:\/\/springfinancial.ca\/fr\/help-centre\/private-sales\/\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"43\" height=\"42\" viewBox=\"0 0 43 42\" fill=\"none\"><path d=\"M21.666 29L29.666 21M29.666 21L21.666 13M29.666 21H13.666M41.666 21C41.666 32.0457 32.7117 41 21.666 41C10.6203 41 1.66602 32.0457 1.66602 21C1.66602 9.9543 10.6203 1 21.666 1C32.7117 1 41.666 9.9543 41.666 21Z\" stroke=\"#3800A7\" stroke-width=\"1.74545\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-56ff8cdc e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"56ff8cdc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-220f1dbe elementor-widget elementor-widget-template\" data-id=\"220f1dbe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"12468\" class=\"elementor elementor-12468\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-50d88182 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"50d88182\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3f00e47 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"3f00e47\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3d08fe7e elementor-widget elementor-widget-image\" data-id=\"3d08fe7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:400}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"40\" height=\"40\" src=\"https:\/\/springfinancial.ca\/wp-content\/uploads\/2025\/10\/Group-48864.svg\" class=\"attachment-large size-large wp-image-9949\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4c1b0ff9 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"4c1b0ff9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-793d2d33 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"793d2d33\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">You Deserve Better<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21495d6d premium-atext__switch elementor-widget elementor-widget-premium-addon-fancy-text\" data-id=\"21495d6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"premium-addon-fancy-text.default\">\n\t\t\t\t\t\t\t<div class=\"premium-atext__wrapper premium-atext__slide \" data-start-effect=\"page_load\" data-settings=\"{&quot;effect&quot;:&quot;slide&quot;,&quot;speed&quot;:200,&quot;showItems&quot;:1,&quot;pause&quot;:3000,&quot;mousePause&quot;:false,&quot;loading&quot;:false,&quot;style&quot;:&quot;switch&quot;}\">\n\n\t\t\t<h3 class=\"premium-atext__headline\">\n\t\t\t\n\t\t\t\t\t\t<div class=\"premium-atext__text\" style='display: inline-block; text-align: center'>\n\t\t\t\t<ul class=\"premium-atext__items-wrapper\">\n\t\t\t\t\t\t\t\t\t<li class=\"premium-fancy-list-items premium-fancy-item-visible\">\n\t\t\t\t\t\t\tRates\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"premium-fancy-list-items premium-fancy-item-visible\">\n\t\t\t\t\t\t\t Service\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"premium-fancy-list-items premium-fancy-item-visible\">\n\t\t\t\t\t\t\tCredit\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"premium-fancy-list-items premium-fancy-item-visible\">\n\t\t\t\t\t\t\tOffers\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"premium-fancy-list-items premium-fancy-item-visible\">\n\t\t\t\t\t\t\tAccess\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"premium-fancy-list-items premium-fancy-item-visible\">\n\t\t\t\t\t\t\tRewards \t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\n\t\t\t\n\t\t\t<\/h3>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72a4d1a3 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"72a4d1a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:250}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Tap into 80% of your home equity, no matter your credit background.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-19961c67 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"19961c67\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-726ba47 elementor-mobile-align-justify elementor-align-justify elementor-widget__width-initial elementor-widget-mobile__width-initial cta-btn elementor-widget elementor-widget-button\" data-id=\"726ba47\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:300,&quot;_animation_mobile&quot;:&quot;none&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/app.springfinancial.ca\/mortgage\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Mortgages FAQ Frequently asked questions Your finances are important to you, and our goal is to be completely transparent with our products so you can better understand how we can help. Mortgages Understanding Your Mortgage Options: What is an equity-based mortgage? An equity-based mortgage is a type of home financing where approval is primarily based on the value of your property and the amount of equity you have available. Home equity is the difference between your home\u2019s market value and the amount you still owe on your existing mortgage. The more equity you have, the more borrowing options may be available. Unlike traditional bank mortgages, which often focus heavily on income verification and credit score requirements, equity-based mortgages place greater emphasis on the property itself as security for the loan. This type of financing may be considered by homeowners who: Have significant equity in their home Have experienced income changes Have credit challenges Are looking to access funds through refinancing or a second mortgage Loan approval, rates, and terms depend on your property value, available equity, and overall financial profile. What is a second mortgage? A second mortgage is a loan that is secured against your home in addition to your existing (first) mortgage. If you already have a mortgage on your property and need to access additional funds, a second mortgage allows you to borrow against the equity you have built in your home without replacing your current mortgage. Second mortgages are commonly used for: Debt consolidation Home renovations Covering unexpected expenses Accessing capital without refinancing the first mortgage Because it is registered behind your first mortgage, a second mortgage typically has different terms than your primary mortgage. Approval is generally based on your available home equity, property value, and overall financial profile. What is a private mortgage? A private mortgage is a home loan provided by an individual investor or private lending institution rather than a traditional bank or credit union. Private mortgages are typically secured against the equity in your home and are often considered when traditional lending criteria may be difficult to meet. Instead of focusing primarily on income verification or strict credit requirements, private lenders generally place greater emphasis on: Property value Available home equity Exit strategy (how the loan will be repaid or refinanced) Private mortgages are commonly used for: Short-term financing needs Bridging between property transactions Debt restructuring Time-sensitive situations Terms and rates vary depending on the property and overall risk profile. Private mortgages are often structured as shorter-term solutions, with the intention of refinancing into a traditional mortgage when possible. What is the difference between refinancing and a second mortgage? Refinancing replaces your existing mortgage with a new loan, while a second mortgage is an additional loan that sits behind your current mortgage. With refinancing, your current mortgage is paid off and replaced with a new mortgage that may have different terms, interest rates, or a higher loan amount if you are accessing equity. This can be useful if you want to consolidate debt, lower payments, or access home equity. A second mortgage allows you to borrow against your home equity without changing your existing first mortgage. It is added on top of your current mortgage and typically has its own terms and repayment structure. The right option depends on your available equity, current mortgage terms, and overall financial goals. If you\u2019d like to explore which solution may be suitable for you, you can start your mortgage application here. What mortgage rates do you offer? Mortgage rates vary based on your individual situation and current market conditions. As a mortgage brokerage, Spring Mortgage Group works with a network of banks, lenders, and institutional partners to help find competitive rate options tailored to your property, equity, and overall financial profile. Rates are influenced by factors such as: Property value and available equity Credit profile Income and existing debt Loan type and term Current market conditions, including Bank of Canada rate changes Because rates change frequently, the most accurate way to determine what may be available to you is to start your mortgage application here and receive a personalized quote. Mortgage services are available to eligible homeowners in Ontario, British Columbia, and Alberta. An equity-based mortgage is a type of home financing where approval is primarily based on the value of your property and the amount of equity you have available. Home equity is the difference between your home\u2019s market value and the amount you still owe on your existing mortgage. The more equity you have, the more borrowing options may be available. Unlike traditional bank mortgages, which often focus heavily on income verification and credit score requirements, equity-based mortgages place greater emphasis on the property itself as security for the loan. This type of financing may be considered by homeowners who: Have significant equity in their home Have experienced income changes Have credit challenges Are looking to access funds through refinancing or a second mortgage Loan approval, rates, and terms depend on your property value, available equity, and overall financial profile. A second mortgage is a loan that is secured against your home in addition to your existing (first) mortgage. If you already have a mortgage on your property and need to access additional funds, a second mortgage allows you to borrow against the equity you have built in your home without replacing your current mortgage. Second mortgages are commonly used for: Debt consolidation Home renovations Covering unexpected expenses Accessing capital without refinancing the first mortgage Because it is registered behind your first mortgage, a second mortgage typically has different terms than your primary mortgage. Approval is generally based on your available home equity, property value, and overall financial profile. A private mortgage is a home loan provided by an individual investor or private lending institution rather than a traditional bank or credit union. Private mortgages are typically secured against the equity in your home and are often considered when traditional lending criteria may be difficult to meet. Instead of focusing primarily<\/p>\n","protected":false},"author":12,"featured_media":0,"parent":20360,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-26103","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mortgages Help Centre | FAQs &amp; Resources<\/title>\n<meta name=\"description\" content=\"Financing your home can be a huge decision. 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