Elevate Your Financing

At The Spooner Group, we specialize in personalized mortgage solutions that empower you to achieve your financial goals with confidence and clarity.

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Explore Our Latest Mortgage Rates from The Spooner Group

Flexible options tailored for first-time buyers and homeowners across Canada

4.19%

3 Year Fixed

Perfect for first-time homebuyers seeking clarity and guidance.

4.19%

5Year Fixed

A balanced choice that offers predictable monthly payments.

4.15%

3 Year Variable

Long-term stability for your financial journey with our expert guidance.

4.20%

5 Year Variable

Enjoy flexibility and potential rate fluctuations with our tailored approach.

* Rates last updated: May 23, 2025. Rates shown are subject to change. Eligibility criteria apply. Contact us for details.

Why Your Rate Might Be Different

At The Spooner Group, we are dedicated to providing tailored mortgage solutions designed to meet your individual financial needs. Your actual mortgage rate depends on:

  • Credit history and score
  • Employment and income type
  • Down payment size
  • Property value and location
  • Whether your mortgage is insured (CMHC or similar)

We review all the factors—and explain everything in plain language—to help you make the most informed decision

Fixed vs. Variable: What's the Difference?
We understand that each client is unique. Our mission is to provide you with tailored mortgage solutions that align perfectly with your financial aspirations.
Fixed-Rate Mortgage
  • Your rate stays the same for the full term
  • Consistent monthly payments
  • Easier to budget
  • Higher penalties if you break early
Variable-Rate Mortgage
  • Rate may go up or down during the term
  • Payment or amortization may change with prime
  • Often starts lower than fixed
  • More flexible exit options

Why Choose The Spooner Group

❗ A Low Rate Isn't Always the Best Deal

That eye-catching rate you saw online? It might come with:

Higher break penalties

Limited prepayment options

Strict rules on early renewals or refinancing
At The Spooner Group, we do more than chase rates—we protect your future flexibility. We'll help you understand all the fine print so you can avoid costly surprises later on.
Two women in business attire, smiling, pose in a bright office setting with a mirror and white furniture.

Join The Spooner Group for Your Mortgage Solutions

We empower Canadians with expert mortgage advice tailored to diverse needs, ensuring a clear path to homeownership and financial success.