Welcome to Spencer Murray Mortgages

Why Choose a Mortgage Agent?

How We Help You

  • You get the advantage of having access to many lenders and their products.
  • You’re making one of the biggest purchases of your life. We’ll educate you about the options and products available to you. 
  • We give you all the proper information for you to make an informed decision.
  • Every individual’s personal financial situation is unique. We take the time to find the right options to fit your individual needs.
  • A second opinion may save you thousands of dollars. We save you time and money! 
  • Applications are approved within 24-48 hours.
  • Best yet, it’s a FREE service and all done at no cost to you!  

First Time Home Buyer or Building?

  • Contact me first. I will help you every step of the way and I’ll educate you on what to expect at each of these steps.
  • I’ll explain how you qualify for the lenders products and I’ll shop for the right product from our selection of competitive lenders.
  • I’ll inform you on the best options for your mortgage and let you decide what best fits your situation.
  • Building a home has two specific unique guidelines set out by the lenders. I’ll navigate you through your purchase if you're purchasing from a builder or acting as your own builder. 

Why get a Pre-Approval?

  • It will make your house hunting easier knowing the amount you are approved for.
  • You will gain more purchasing power for your search when it comes down to putting in an offer.
  • A Pre-Approval will speed up the home buying process once you decide on your home.
  • Your mortgage rate won’t go up between pre-approval and your purchase date, and is held for up to 120 days.
  • If the rate falls during this time, so does yours! Saving you money!  

Need a Debt Consolidation?

  • Everyone’s financial situation is different.
  • If you’re feeling weighed down by the monthly payments of your outstanding debts, the equity in your home may be a solution.
  • Assuming there is enough equity in your property, a refinance with your consolidated debts and mortgage can get you out from that monthly burden, freeing up cash. 
  • Questions? Apply Here.

House Outdated?

  • Improving your existing house can be expensive. How do you finance it? I can help.
  • I will advise you on the best options available to your situation.
  • We may increase your existing mortgage or find you a secured Line of Credit.
  • If you’ve found the perfect house for you, minus the 1970’s themed basement, there is a solution.
  • I’ll find you the right Purchase plus Improvements mortgage that will allow you move in and feel at home as quick as possible.  

Investment or Vacation Property?

  • Investing in a Rental Property can increase your cash flows and increase your net worth.
  • I want to make sure your investment is protected with the right mortgage product.
  • I have access to products for any dwelling. From a single-family home, duplex, triplex and four-plex to a condo or apartment building, I have you covered.
  • There are specific mortgage products available for Vacation Properties. Owning one may be easier and more accessible than you think. Contact me to go over your options.   

About Me

Mortgage Motivation

As a mortgage agent, I am working to help simplify the process of homeownership and strive to make it an exciting endeavor for my clients. I am passionate about offering a reliable, FREE service to you. I am determined to give you an individualized experience and my full availability and responsiveness gives me the ability to meet your unique needs. I have a team behind me who has over 100 years of mortgage experience which allows me to answer even your most specific questions. I have access to 14 different lending institutions and am familiar with an array of mortgage options that can fit your needs.  

Don't Let it Wait!

Contact Me

Better yet, send me a text with your questions!

Mortgage Wise Financial

259 Wellington Rd, London, Ontario N6C 4N7, Canada

C: 519-719-4565 P: 519-433-5013 F: 519-433-0402

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