Most people assume mortgage rates move because the Bank of Canada says so. But fixed and variable rates work differently. Learn what really drives mortgage rate pricing in Canada — and what it means for Manitoba homeowners.
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The Spooner Group is a trusted mortgage brokerage based in Winnipeg, Manitoba, with over 32 years of industry experience. The company specializes in remote mortgage advisory services for clients across Canada, offering flexible financing solutions that go beyond traditional banking limitations. Founded by Tracy Spooner, an expert in mortgages, real estate, and law, the business stands out for its client-first approach, fast turnarounds, transparent communication, and an unwavering commitment to helping clients secure the right mortgage solution—regardless of their financial background.
The Spooner Group serves a broad range of Canadians with mortgage needs, focusing particularly on first-time homebuyers, self-employed individuals, credit-challenged clients, and homeowners seeking refinancing or equity access. Tracy's integrity, warmth, and professionalism in the industry have positioned the company as a go-to resource for essential mortgage solutions, ensuring that every client receives personalized support to achieve their homeownership dreams.
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