"Spencer is hardworking and very personable. He took the time to ensure we understood each step of our home purchase and mortgage details. We highly recommend Spencer. It’s always so nice to find a mortgage broker who is invested in their clients. He’s been a pleasure to work with."

"Spencer has been wonderful to work with and I’d recommend him to anyone. Our mortgage was a very complex situation and Spencer made the experience very clear, concise and ended up getting a better interest rate than we had projected getting. His relaxed and easy going demeanour makes communicating with him so pleasant and takes a lot of stress out of the game!"

"This is my fourth mortgage with Spencer. Top notch service and experience - he and his team won't steer you wrong. I would highly recommend and have done so multiple times - friends and family have also been impressed!"

"Spencer Ennis made this whole refinancing process easy and hassle free. I’ve worked with several of the big banks over the years with loans and mortgages and Spencer by far provided the best service I have ever received. He went above and beyond to see that I understood every step of the way. I must also add that I am fairly computer illiterate and Spencer really simplified everything I needed to do on my end. I highly recommend Spencer Ennis for any mortgage related needs you may have. It was more than a pleasure to work with him, thanks, Spencer"

“Spencer, it has been a pleasure working with you. You made this an easy and stress-less exercise. Well appreciated.”

"I have so far used Spencer's services twice and he is not only knowledgeable in his work but incredibly helpful. He is patient with explaining to us the pros and cons of different mortgage products. He respects our financial decisions and helped us negotiate the best mortgage that fits our unique situation. I highly recommend him and am looking forward to using his services again when our renewal comes up."

"Spencer is amazing! We’ve gone through two purchases and now a refinance, not only to help us get ahead, but remodel our home as well. Spencer is quick to respond, more than happy to answer any questions and will give an honest opinion. We wouldn’t consider using anyone else in the future."

We moved to the lower mainland and were looking to find a home. For our price range we had looked at a modular home and there was only one bank we could use. With payments and pad rent we would pay more than our rent. We backed out of the sale. After a bit I looked on line and found Spencer. After a chat on the phone - I felt so much better about our possibilities. Spencer got us an awesome rate and when we found our home, he handled everything! Our payments and strata fees are cheaper than our rent! Such a stress free process. He is the best. Definitely recommend Spencer to anyone looking for a mortgage.

"Spencer was a pleasure to work with. Very thorough and happily answered questions we had. He brings great energy and made the process very easy for my family. It’s comforting knowing Spencer is taking care of us"

"Spencer Ennis was referred to us by our close friends and boy are we glad they referred him. Our journey with Spencer lasted quite a while as we spent a good 1-2 years navigating this atrocious housing market. With every difficult challenge that came our way Spencer was there to help us. When we FINALLY found a place and our contract was signed Spencer leaped into action to guide us on getting the updated documents, getting our financial calculations in order and everything beyond and in between. Spencer is a mortgage broker but he's also a very genuine guy that cares truly about his customers and will do his best and more to help get his clients into the home of their dreams. Whether or not it takes some time he stuck with us every step of the way. We couldn't have asked for anyone better to be in our corner when we needed it most. Don't just go and choose any mortgage broker, choose Spencer Ennis and get looked after right the first time. Thanks again Spencer for all your help, we sincerely appreciate it."

“Spencer was such a great help to me! I would highly recommend him. He was thoroughly knowledgeable, eager and willing to help and answer my many questions without making me feel silly for asking. He is flexible with appointment times and never made me feel rushed. Very professional and I will definitely use him again for any needs that I have. :)”

We had the great luck of being connected to Spencer through our realtor and we can't be grateful enough. He worked really hard under a very tight schedule and deadline to help us out. He not only made a very difficult situation have a very positive outcome but he also made it happen with the best possible options for our mortgage. He was responsive, thorough, professional and maintained communication opened all along the process. He works tirelessly with the best interest of the client at heart. I would not be hesitant to recommend his very professional and effective services to anyone, and I look forward to the opportunity to work with him again when mortgage renewal comes up. Thank you Spencer!

"We couldn’t have chosen a better mortgage broker than Spencer. We felt incredibly supported throughout our entire mortgage process. He worked tirelessly to get us the best mortgage possible, he guided us every step of the way and was fast to respond to all questions. We cannot say enough kind words about Spencer and his knowledge in the Mortgage field. Thanks Spencer for being a huge part of our house buying process!"

"Spencer was very helpful and gave many options for us to choose from. We were able to get an extremely good rate with our first time purchase and couldn't be happier. Would definitely recommend him for anyone who wants to have a hassle free experience searching for a mortgage."

I received your Mortgage Plan package in the mail yesterday. I was totally impressed with the professional pages - artistic, creative and full of information and yet so easily read! Thank you. It's an honour having dealt with someone who does such an incredible job.

"I came across Spencer and Bayfield Mortgages after my wife and I had two very negative experiences with other mortgage brokers (one of which fumbled the lending for a property we had a successful offer on). After reaching out to Spencer I was immediately impressed by his professional demeanor and valuable insights into the mortgage market. Since that initial conversation, Spencer has spent several months helping us navigate high interest rates in a tricky BC housing to secure lending that was tailormade to our specific needs. To that end, I can't speak highly enough of him and his team. They spent many extra hours (often on weekends and after 5:00pm) to assist us in finding the perfect mortgage. His in-depth knowledge and highly personalized approach to finding the mortgage that is right for his clients is second to none. I've also recommended him to other friends and they've been equally impressed. That being said, I highly recommend his services, you won't be disappointed."

Spencer was amazing throughout the whole home buying process. It was our first time buying a house, and Spencer walked us through everything. He took the time to explain all the details, and clearly has a deep understanding of the industry. We got a great deal on our mortgage and will recommend him to anyone!

"Spencer was a huge help in securing land development financing. He worked with us around the clock, including evenings and weekends. I would highly recommend Spencer."

"Had a great experience working with Spencer and team. He was readily available at any time of day and quick to reply. He explained everything in detail to make sure we understood the process. I would work with him again and would recommend his services if you need help with getting a mortgage loan."

"Spencer, from the beginning of our very face-paced house search (two weeks) was supportive, attentive, on the ball, detail oriented (which is a massive plus in my books) and cared so, so much about us. As first time home buyers, we've never been through the process of applying for a mortgage. Spencer made the process tolerable (let's be real, finances are tough to talk about), effortless and without a doubt made the financial aspect less of a worry but more of a "you can do this!". From day one, Spencer had us in the loop with every single step, he made document submissions easy and hassle free. He always kept in touch and never did we feel as though we we're just "another client". If you want to be well taken care of, I HIGHLY suggest you use Spencer and his team of amazing people to help you!"

"When the banks turned us away, Spencer was incredible with helping my partner and I find a unique and suitable financing arrangement as we merge homes and lives. His positive and calm demeanour alleviated our collective anxiety during this exciting yet stressful time. Spencer's level of experience and dedication to his clients is evident in every interaction. I highly recommend his services."

"We have used Spencer's services a few times now and have always been impressed! He is very organized, timely, and helpful. He's been available and flexible for short deadlines. He has access to products that other brokers don't and was able to offer us better rates. He's personable and genuinely cares about his clients. 100% would recommend Spencer. You won't be disappointed!"

"Spencer is a fantastic mortgage specialist! He has helped me with a number of mortgages. He is knowledgeable, kind and always available. I would highly recommend and he will be my choice for any future mortgage needs I have."

Spencer was my broker. Very knowledgeable and easy to discuss things with. He knew exactly how to handle my mortgage situation. Thanks. I will be using him again shortly.

"I have used Spencer for a couple mortgages now and he always goes above and beyond in his support and gets the best rates. I would highly recommend Spencer to anyone looking for a mortgage."

We are writing this note to express our appreciation to Spencer Ennis helping us secure our new mortgage. He provided good advice and brokering, finding the most suitable product to meet our needs. His courteous and informative approach gave us confidence in his service. Spencer smoothly guided and expedited the process in what was a time sensitive situation. We could not have been more satisfied with his friendly manner and diligent work. We would highly recommend him as your mortgage broker.

"Spencer went above and beyond! His knowledge (and patience!) was instrumental in helping us secure a complicated mortgage renewal."

My husband and I are very pleased we had Spencer as our mortgage broker. We sold our condo and moved to a larger townhouse. Spencer was at all times helpful, informative and communicative. He offered us valuable advice and we felt he went over and above in answering our questions and helping us make the best financial decisions. He secured us a great rate and I really cannot recommend him highly enough.

"Spencer consistently demonstrated exceptional professionalism, transparency, and organization while helping us secure our mortgage. His dedication to understanding our priorities and options is commendable, as he invested significant time in ensuring our needs were met. One of Spencer’s standout qualities is his ability to thoroughly discuss multiple options with us, guiding us through the pros and cons of each with clarity and patience. His comprehensive knowledge in the field of mortgages proved to be invaluable, as he adeptly addressed our inquiries and concerns, leaving us with a sense of confidence in our decisions. Spencer’s commitment to transparency and his organized approach significantly contributed to a smooth and efficient process. His patient demeanor and willingness to provide thorough explanations were greatly appreciated, making the mortgage process feel manageable and understandable."

"I just cannot say enough about Spencer! Is and will ALWAYS be the #1 broker I go to! He helped make everything very easy and even arranged a back up plan, for a "just in case" scenario! Spencer, you truly are one of a kind my friend!! :-) Thank you for everything!"

"This is the second time I have used Spencer for our mortgage. He was great. Very informative. Great communication and very knowledgeable. Highly recommend. He took the time to sit down and explain how the new mortgage worked and the different terms."

"Professional, determined, and comprehensive are just a few words for Spencer and the team at Bayfield Mortgage Professionals in B.C. He made the process easy and provided assistance the entire way, which in itself is amazing!"

"Spencer was amazing to work with, answered every and any question I had to make buying my first home very less stressful. I would highly recommend Spencer to everyone."

We had the great pleasure of working with Spencer when we bought our first townhouse in New Westminster, BC. As first time homeowners we wanted someone who would fully explain the process of obtaining a mortgage, to provide guidance throughout the process and also give us ongoing service afterwards. We are grateful for the time, dedication, and knowledge that Spencer provided us and our first purchase was literally "stress free". Spencer was available when we needed him and provided outstanding customer service. We feel comfortable knowing we got not only the best rate but also the best mortgage terms that suit our current needs and future goals. We have no hesitation in recommending Spencer and look forward to working with him again in the future.

"Was very happy with the mortgage rate, customer service and attention to detail provided by Spencer!"

"Spencer was extremely helpful throughout the process, as a first time buyer I had endless questions and lots of things to learn. He was so patient and went above and beyond for me, due to the nature of the property in question it was very difficult to secure lending and he made it happen. Spencer reached outside his network and found someone who was able to secure it, his connections in the industry were very key. If it wasn't for his help getting everything organized and setup with correct paperwork and explanations I don't think we would have bought. Thanks to Spencer our dreams are now a reality. I would absolutely recommend him if you are looking to get a mortgage, especially as a first time buyer."

Fantastic advice and support, I’m extremely happy with the service I received from Spencer, absolutely the best service!

"We had an extremely tight time line specifically to get funds to repay a CEBA loan. Spencer worked tirelessly to get it done and simultaneously took care of some incorrect credit bureau items. Can't say enough really, he made it happen and cleaning up errors on the credit bureau was invaluable. Highly recommend Spencer, a true dedicated professional!!! We will work together in the future !! Thanks Spencer for your patience throughout."

Spencer is an extremely knowledgeable and courteous professional! We started working with Spencer nearly two years ago as we were interested in purchasing a property in Victoria. Although we currently reside in Winnipeg, Spencer was very courteous and generous with his time, in explaining the BC real estate market. We finally purchased a property and Spencer wonderfully and masterfully guided us through the mortgage process and matched us up with a great lender at a great interest rate! Spencer is an extremely diligent and patient high-level professional with a warm personality and strong work ethic. With confidence, I have referred Spencer to friends, colleagues and even realtors. I would highly recommend Spencer for all your financial needs! Look no further, Mr. Ennis is your guy!

"Working with Spencer was a perfect experience. He was there to help us through the entire process from start to finish, answering all of our questions along the way. We ended up securing a great rate. We'd highly recommend him to anyone looking for a mortgage"

" We have used Spencer for our first home purchase, our first refinance, and now for our first rental property purchase. Spencer has offered great insights, and a huge amount of experience every time. We, and our notary, were amazed at the great interest rates he was able to get us. Great job Spencer! ?? "

"Spencer is someone we had in our back pocket up until recently. We had the pleasure of having him work with us. We are very fortunate. He not only gave us all the details for a variation of products, but he found what fits us for our specific needs. With the rates where they are at the moment, he found us a competitive one. The entire process was enjoyable.....and I don't recall the last time either of us said that about getting a mortgage or renewing! Thank you Spencer! And if you're looking for a mortgage broker... look no further."

"Spencer Ennis is excellent at what he does! My husband and I recently worked with Spencer to purchase our first home. He is friendly, knowledgeable, accommodating, and communicative. The day before our notary appointment he was able to secure an even better rate. Rest assured, Spencer truly cares about getting you the best rate possible."

Spencer worked with us from the very beginning of our journey to buy a home. He started by helping us understand how credit works and how to get our credit to where it needs to be in order to be able to get a mortgage. We never felt any pressure from him while we worked to improve our score. He gave us the exact steps to take in order to fix our credit and it worked exactly how he said it would. When we were ready, again he guided us every step of the way, helped us collect all the documentation, stayed 3 steps ahead of the lenders' requests and answered all of our questions any time we had them, be it early morning or late night. He was always available and always had the right information. In the end, he helped us get a home we could only dream of with affordable mortgage payments and without one bit of stress. He is absolutely amazing to work with as a professional, as well as an amazing, positive and kind person. I wholeheartedly recommend Spencer!!

"I have used Spencer for the past 9 years and for a total of 4 home purchases. He is the first call I make when considering relocating. He is very quick to respond, honest, realistic, professional and patient. As someone who needs to hear all the possibilities and outcomes (sometimes multiple times), he was happy to go through all the possible scenarios with me which I appreciate greatly. I cannot recommend Spencer enough!"

"Dealing with Spencer was easy and seamless. He was quick to answer questions, found us the right lender for our needs and assisted with progress updates along the way. We will definitely reach out to Spencer for our future mortgage needs."

"Working with Spencer to secure a mortgage was a great experience. I really appreciate the time he put into finding the right option for me and walking me through every detail. Thanks for everything Spencer, I look forward to working with you again!"

"Spencer is a highly knowledgeable and skilled individual who approaches his work with a professional demeanor. His communication skills are exceptional, making it easy to understand complex concepts. He consistently goes above and beyond, even making time for us during late hours to ensure that everything is communicated clearly. Overall, Spencer's dedication and commitment to his work are truly impressive."

"My husband and I have used Spencer twice now as our mortgage broker and we would 100% recommend him to everyone! He is extremely knowledgeable and makes sure that his clients fully understand all of the details and that he is there to work with you to do what is best for you. He is very kind and friendly and really takes the time to get to know his clients and build that trust that is necessary when dealing with big financial decisions."

"Spencer was referred to us through a family member and did not disappoint. He got us a great rate and his professional attitude, attention to detail and strong communication skills were most appreciated during this important step for us. Thanks!"

"Having Spencer as a Mortgage Broker has been the best thing for my family. Spencer has helped us with 3 mortgages now, and each time he had not only provided us with very personal service and availability. But also been extremely informative and helpful on the entire process. From the different financial options to the right insurance packages. I would recommend Spencer to anyone looking for an honest, reliable broker no matter if it was your first home or your final home. 5 stars is not enough to rate Spencer he deserves 10."

"Spencer Ennis, the mortgage broker who provided unbelievable help in securing financing for our new home. Spencer's knowledge and expertise in mortgage financing were truly impressive. He went above and beyond to understand our needs and guide us through the entire process, providing prompt and thorough communication every step of the way. I highly recommend Spencer Ennis to anyone seeking mortgage financing assistance. His professionalism and exceptional service made a significant difference for us."

"We were recommended to spencer ennis by a family member and finally decided to give him a shout. From the moment we first discussed our unique position in purchasing a place spencer steered us in the the right direction and helped us manage our situation so that it would work out in the time frame we needed for our family he also referred us to a solid real estate agent. If your looking to get into the market don't hesitate to give this guy a call he's the best!"

Spencer has gone above and beyond yet again! He helped find me the exact Mortgage product that fit my situation perfectly. From start to finish, Spencer has been extremely professional, patient and helpful. He is an honest, hard working individual whom truly cares. I was very nervous about doing a Refinance, but Spencer explained everything to me and answered any and all questions I had. My mind was put at ease and I was able to go forth confidently! Regards, Nic.

My Fiancé, & I worked with Spencer to get our first mortgage. We had some concerns about being newly self-employed, but Spencer was able to find us a great mortgage option that allowed us to successfully get our first home. He was available for us at all times of the day anytime we had a question he was there to provide the answer via phone/email.

Highly recommend Spencer Ennis for your mortgage needs!! Spencer is a professional who really has his client’s best interest in mind. Spencer got us a great rate and was so easy to work with! My sister recommended Spencer to us and he was truly a blessing!

"We have used Spencer for several of our mortgages and he’s been great to work with! We’ve never worried that things won’t happen when they are supposed to - Spencer just makes the whole process less stressful! Thanks Spencer!"

"Spencer was referred to us by a coworker who had worked with Spencer twice to buy homes and could not say enough about his level of service. Working with Spencer we found that he is incredibly knowledgeable and loves helping people find the best possible mortgage. For us it was our first time buying a home so my wife and I had lots of questions which Spencer answered at length by email and over the phone. He was always very pleasant, thorough and took the time to make sure we understood every aspect of our mortgage. We had a great experience working with Spencer and he found us a very competitive mortgage rate. We definitely recommend his services and hope to work with him again in the future."

"Spencer was very knowledgable and helpful working with me to secure an affordable mortgage in September of 2021. I was given multiple options and explained the differences from variable to fixed rates. I told Spencer my proposed budget and instead of going over it, he helped me get under the proposed mortgage budget. I highly recommend using Spencer as your next Mortgage Broker. Trevor Morgan Port Coquitlam"

We became rental property owners when Spencer provided us with flexible mortgage options, advice and financial structuring that would work for us. We had an accepted offer on a new home purchase so this was an extremely important alternative for us instead of trying to quickly sell our home in a soft market. Spencer worked closely with us, clearly displaying all the costs and benefits of multiple home ownership upfront which gave us the confidence to move forward. Spencer worked diligently to secure approvals and we are now enjoying our new home. In retrospect, we definitely made the right decision, rather than selling our home we now have rental revenue income which has become an important part of our financial strategy.

As first time home buyers, Spencer made this process so easy. He was always prompt to reply to any questions we had and worked quickly to get everything done on time. He was able to find us the best rate at the time and was enjoyable to work with. We would absolutely recommend Spencer to our family and friends.

"I am so fortunate to have met Spencer. I have recommended him for several years to many of my clients, and he is truly amazing! He always comes through with the best rates possible and explains everything in a way that even the most inexperienced can understand. He goes over every detail in clear, concise terms. Above all, he is very professional and answers emails, texts promptly. He even answers his phone! I've also used him for my own personal mortgage needs, so I know first hand how thorough he is."

"A wonderful experience dealing with Spencer. He is knowledgeable, upbeat, professional and patient. He was always quick to answer if we had any questions, and he followed through with what he promised. Thank you Spencer for all of your help!"

You are incredible Spencer, very informative, very knowledgeable, almost TOO easy to get a hold of and all around pleasure to work with. Thank you for helping to make our dreams happen!

We are on mortgage number FOUR with Spencer and he continues to amaze us! Even after the mortgage has completed he's been willing to help us figure out life insurance & other financial questions we have had over the years. I can't say enough about how much we appreciate him!

I just wanted to say thank you so much for all your help with my mortgage renewal. You have gone above and beyond! Made this renewal pain free. Thanks so much!!!

Shane: "Spencer's service is absolutely efficient. He has repeatedly provided excellent mortgages for us and our sons in the past. We highly recommend him to everyone and certainly look forward to working with him in the future." Susan: "Spencer is very professional and hard working and he loves what he does.He got us a really good rate for our mortgage.It was a pleasure working with him all the way. I highly recommend him."

"Super service! So helpful goes the extra mile!"

"This year is the second time we have hired Spencer and his quick professional service was greatly appreciated again! Previously, he helped us refinance and really put us ahead, this year, we are buying a new condo and he made it easy for us... Spencer is super friendly, extremely professional, and most importantly he is excellent at what he does . We enjoyed a thorough explanation at every turn with easy online doc signing, he got us an amazing rate (!), and we shared a lot of laughs along the journey. I highly recommend Spencer for anyone needing a mortgage professional. He is truly tops!!"

"We were super happy with Spencer's ability to explain and keep us informed of the process for our mortgage. Highly recommend him to anyone looking for a mortgage!"

"Spencer was recommended to me from my Realtor because of his attention to detail and ability to get things done promptly. It was a fantastic recommendation because our experience was so much better than any mortgage broker we've used in the past. Spencer is brilliant to work with and a pleasure to talk to. He made the whole finance experience easy and he came through with the rate reductions he promised. There were no surprises or issues. I am very happy and will use Spencer again for our next mortgage and all renewals in the future if possible."

Thank-you for all your help through this!!! You made this all very easy for me and thank-you for all the great recommendations for everything else. I am telling everyone they must use you for all their mortgage needs as you are the best!!!!

Spencer was absolutely amazing. I would recommend him to anybody looking for a mortgage. Very polite, answered all of our question!!! AMAZING!!!

"Spencer is amazing to work with. Despite us having a more complex case, he successfully secured financing for us and did it in record time to fit our difficult timeline. We cannot recommend him enough!"

"Spencer is absolutely amazing. Would recommend over and over again! We can not say enough great things about him."

"It was such a pleasure to work with Spencer. He is knowledgeable, friendly, and overall has his client’s best interests at heart. As a first-time home buyer, I had many questions and Spencer took the time to explain everything and walk me through the process from start to finish. I was able to secure a fantastic rate thanks to Spencer and I’m grateful for all of his help. I highly recommend Spencer for your mortgage needs."

"This is the second time we've worked with Spencer to secure financing and he has once again been generous with his time and organized in his communications which has made for an efficient and pleasant experience. We'll be back in touch for future needs and would readily recommend Spencer to others."

"Spencer was referred to my wife and I by a friend who spoke very highly of his experience. Our experience was excellent as well. Spencer kindly walked us through every step of the way and was on hand to answer any questions we had, regardless of how big or small. We felt valued throughout the entire process."

Many thanks for all of your help in assisting my client with her purchase and your collaboration in ensuring she was able to successfully purchase her new-to-her home. Thank you! You have been great and your knowledge and financial resourcing was an important factor in this transaction.

"Highly recommend working with Spencer. He was very professional and easy to work with."

What and incredible experience I had with Spencer. He will go out of his way to ensure you have the absolute best mortgage rates as he is persistent and has all the necessary connections! Spencer was consistent with following up. He locked me in with a 2.7% fixed mortgage which is absolutely incredible, and he also got me the mortgage I needed from these greedy banks. He presented to me multiple different options that worked best for me initially, and I appropriately chose what I needed and couldn't be happier. I highly recommend him and will refer him to everybody else I know. 10/10!

" I just completed my condo purchase with Spencer's help. I strongly recommend working with Spencer to get the best mortgage for your needs! He is very responsive and knowledgeable. He knows exactly what kind of product I am looking for and makes the entire mortgage process so smooth. Definitely refer him to all my friends."

"I cannot recommend Spencer enough! If you are looking to buy or refinance this is the guy you need to see. He will walk you through everything step by step and makes it really easy for people who know nothing about this process to understand. He has helped us obtain two mortgages now and goes above and beyond what I would ever expect a mortgage broker would do. We are so very grateful for Spencer and will forever recommend him to everyone we know."

"Spencer is the best of the best Very personable and quick to get the process going He can get a lot done in a short time And has been a blessing to me and my family"

"I’ve done two incredibly complicated and difficult mortgages with Spencer and he has come up with magic each time. This last time he even got us more money at a better rate last minute! I highly recommend Spencer for any mortgage needs, typically to complex."

"Spencer has helped us through 3 mortgages now and each time has been a great experience. Spencer is knowledgeable, friendly, and will stay on top of your file until he finds the best deal. I can't recommend his services enough!"

"This guy is beyond a pro!! I am sooooo impressed and cannot say enough about how easy he made things.. the follow up.. the prep list.. the needful listening. .. the hours of commitment to each step we took. If you need a mortgage--refinance--information--anything at all its done and done!!!"

"We found Spencer when we were looking for a broker to help us refinance our mortgage. We couldn’t be happier with the service Spencer provided. He went above and beyond to help us and because of the work he did, he saved us a massive amount of money. He is easy to talk to, friendly and seems like he works 24 hour/day. We appreciate everything he did for us and wouldn’t hesitate to recommend him or use him again."

"Spencer is awesome! So helpful. We have used his services several times and also recommended him to friends."

Spencer helped me a lot and I got a very good mortgage rate. I really appreciate his awesome effort. Thank you so much.

"My wife and I have been working with Spencer since 2016 when we purchased our first home; this year he has helped us through an upgrade purchase! He has guided us through our biggest purchases with patience and wisdom. We are so very grateful for him, and will continue to trust him with our mortgages in the future. Thank you Spencer!"

"Spencer was an absolute pleasure to work with! He helped guide me through the entire process for obtaining a mortgage from start to finish. He communicated clearly, educating me along the way and was able to secure us a great interest rate! We where able to purchase a home on Vancouver Island with his assistance and we couldn't be more excited about our new home. I would recommend working with Spencer if you are serious about purchasing a home. I will definitely work with Spencer again in the future. Sincerely, Kevin Phibbs"

"Thank you so very much for all of your help in making this process less hassle-some; and instead, rather enjoyable!"

"We have had the pleasure of dealing with Spencer since the purchase of our first home in 2017. He guided us through each step elegantly and made us feel confident in the process. Spencer is always quick to respond to emails even when unrelated to your mortgage. I highly recommend first time home buyers (or hopefuls) get in touch with Spencer sooner than later. We come out better than anticipated every time."

"Spencer is the best mortgage broker ever. He possesses high knowledge and skills about mortgage products. He worked hard and found the best plan for our refinance mortgage. Spencer is friendly, professional, and efficient. I am grateful and satisfied with his team's excellent service. I will definitely come back to him for any mortgage renewal or investment property in the near future."

"Whether you are getting your first mortgage or renewing one, Spencer was professional, attentive to detail, insightful, and a pleasure to work with. Thanks for exceptional friendly service!"

"Spencer did a fabulous job assisting us with a difficult Bank negotiation. His easy to talk to manner, knowledge of the business and attention to detail led to a successful completion."

"Spencer, once again, was excellent handling our mortgage. We are completely satisfied. He and his associate, Holli, go well and beyond ordinary routine service. They are excellent. We highly recommend Spencer."

"Spencer provided a level of expertise that I was not expecting from a broker. He was extremely informative, helpful, and thorough. It was a pleasure working with him from the beginning to the end. If you are looking for a mortgage, don't hesitate, call Spencer!"

"Spencer and his team were a treat to work with! Not only that he's knowledgeable on the subject and punctual but he was also accommodating to my very busy schedule and was very patient with the whole process and my many questions. Highly recommended!"

Thank you so much Spencer. You've done a great job. We really appreciate it. We will certainly recommend you to people we know who might be shopping for a mortgage. I can also tell future clients that it was a simple and painless process, well laid out, and easily accomplished without concern - despite living in different areas. Cheers."

"Spencer was recommended to us by a friend, we’ve never actually met in person, but we couldn’t be happier with all the work he did for us. Spencer is incredibly professional, he is meticulous and thorough and has a great sense of humour! He kept us informed and updated every step of the way. Our mortgage was approved sooner than we had anticipated and he explained everything to us in detail. I must have asked the same questions a dozen times and never once felt embarrassed to ask again. He absolutely has a gift with people and knows how to communicate professionally and effectively. Spencer was always available to answer our questions and concerns, even in the evenings and on the weekends. We never felt like “just another client”. He is kind and caring and has a knack for explaining complicated things in an understanding way. I would highly recommend Spencer to anyone. He is someone who goes above and beyond and truly cares about people."

"Working with Spencer was a pleasure. He was very professional, had answers to all our questions , and got us a great rate. He walked us through the whole process step by step. Got us exactly what we were looking for, and very quickly. I can't recommend his services enough. Thank you Spencer."

"I was certainly not looking forward to renewing my mortgage in this current market given the very high interest rates.. I turned to Spencer for his help and I am very glad I did. He was extremely helpful and professional and was able to organize my mortgage and get me an interest rate that was considerably lower than my bank was offering me. He worked so hard on my behalf, and I cannot thank him enough for all he did for me. I highly recommend Spencer if you are looking for a true professional who cares about his clients."

Hi, Spencer, Thank you very much for all your help. Thank you, too, for the documents you sent over. It gives a clear picture of where the mortgage payments go and how much interest one actually pays in each payment and also how prepayments help reduce the mortgage over time. I will surely recommend your services to anyone I know who might be planning to buy a house.I hope you will have continued success. Sincerely, Rexie

"We highly recommend Spencer. He helped us immensely and we are happy to have found him. Thanks again!"

"Spencer was awesome to work with!! If there was 10 stars here he would have them. Spencer was extremely responsive and knowledgeable with our refinance. He helped get us ahead with extra funds to put in our piggy bank. We highly recommend Spencer you will not be disappointed !! Thank you so much Spencer !!!"

"Spencer did an outstanding job for me, I will recommend his services to my friends and family. Thank you again Spencer. Great job! Such a pleasure to deal with."

"Spencer is amazing, he worked hard to creatively find a solution for our loan needs. Spencer is personable, very well connected and can think outside the box. Great work!"

"When the market shifted abruptly we found ourselves in a tricky financing situation that would not have been feasible through the traditional bank means. We found Spencer through Google and within minutes of answering the phone he was able to grasp our situation and relieve our stress through a well-structured arrangement that served our needs. Super positive, helpful and able to work through complex issues very quickly to make sure you get the best option available. Highly highly recommended."

I was new to the whole process of buying a house and Spencer walked us through the whole thing and got us an amazing rate!! My fiancé even got to keep his condo so he can rent it out! Thank you so much Spencer for all your help and patience! We recommend going through a mortgage broker when buying your next place and especially recommend Spencer for the job :D !!!

I met Spencer at the Abbotsford Home and Garden Show. Initially, I was contemplating a mortgage through my bank, but thanks to Spencer, I saved a LOT of money! Spencer is extremely professional and knowledgeable. As a first time home buyer, I was very nervous about all the procedures involved, but with the help of Spencer, it was a smooth ride from start to finish! We sat down in his office and he explained all of the financial procedures to me, from start to finish. I was never left in the dark! He always made time to answer all my questions, and made sure I was completely comfortable and satisfied. It took me a few months to find a suitable home for my family and I. Spencer kept in contact with me and kept me informed of the current specials and options. Spencer helped me find the best mortgage for my needs, and even helped me find very affordable life and disability insurance! I highly recommend Spencer and look forward to working with him for all my financing related needs.

"Super service! So helpful goes the extra mile!"

We just wanted to say a huge thank you for all your help with our mortgage and future planning. Honestly - we truly appreciate it!

"Thanks for making our renewal process so seamless and explaining our options to us so thoroughly. You’ve been taking care of our mortgage needs since 2014 and it’s been a great experience since day 1! Thank you!!"

"Spencer is amazing, he worked hard to creatively find a solution for our loan needs. Spencer is personable, very well connected and can think outside the box. Great work!"

"Spencer and his team were excellent to deal with. Prompt and professional along with very reasonable sound advice and options while keeping our financial situation in mind. He was able to get us a very solid mortgage rate at a not so good time, this will help us save a good chunk of money in the next few years."

"We hired Spencer Ennis, Senior Mortgage Broker with Bayfield Mortgage Professionals in Langley, BC to help us secure mortgage financing for our new house. We live in Quesnel and bought a house in Salmon Arm. With only two weeks to remove subjects, Spencer went straight to work. He is very organized and worked confidently to find financial solutions to make buying our dream home a reality. Spencer guided us through the process and kept us on track through to completion. Our situation was a bit complicated and we don’t think we could have done this without his expertise. And he got us a great rate with a trusted lender to boot. Great job Spencer!"

My fiancé and I were prepared to buy our first home but had absolutely no idea what we were doing. Spencer walked us through every step and was more than patient with me and my million questions - even when I asked the same question several times. He was quick to reply, and made this whole process as stress-free as possible. 100% would recommend to friends and family and fully intend to use him in the future. Thanks, Spencer!

"If you are looking for an extremely knowledgeable, efficient, approachable, kind mortgage broker, go with Spencer. I will be recommending Spencer to all of my family and friends. Spencer has your best interest at heart and this is evident from the first interaction. We are so happy and look forward to continuing to work with him."

"Spencer is extremely knowledgeable and professional. Spencer was very easy to work with and always strives to get his customers the best deal possible. I highly recommend Spencer for any of your mortgage needs. Thank you for helping us get into our forever home!"

"We first contacted Spencer in May of 2022, with a very unique and stressful situation that we found ourselves in. He was always reachable and always took the time to talk to us and explain how we could possibly accomplish what we were trying to do, even knowing that he may not get our business. In the end we went with Spencer, he fully explained and took us through the process, and we are very happy with his expertise and care completing our transaction. Thank you Spencer, you are highly recommended."

" I used Spencer for my refinance and a new mortgage, Spencer was absolutely fantastic and I would recommend him to anyone who is looking for a broker. Throughout the process, he was always available to answer my questions and he was very transparent about every step I had to take. Thank you Spencer for all your help and guidance, 10 on 10 would recommend ?? "

We are repeat clients originally from South Africa and have been living in Canada for 15 years. We used Spencer’s services for our previous home’s financing. The job he did was awesome so we called on his services again when we wanted to purchase an acreage. While working closely with our Realtor and Appraiser, Spencer negotiated a flexible, low rate mortgage with our current lender. Lastly, the mortgaging process was smooth and we were provided with outstanding advice. Cheers. Ray and Judy Bright

Can't say enough good things about how helpful Spencer was. I got a great rate AND an awesome rate on a line of credit which I badly needed. This was the first time I used a mortgage broker - I always used my bank, but when I told them the plan Spencer found for me they admitted they couldn't beat it (CIBC). Aside from the mortgage, Spencer checked what other deals he could get for me to consolidate loans. Full service and you can tell he LOVES getting people awesome deals - he is as excited about it as you are! Best is that you don't pay for his service. He interviews you about your finances and plans then searches around and presents options he finds from lenders. You work together to pick the best overall plan then the lender who is the 'winner' pays Spencer for bringing you to them. A win-win. I didn't realize all of his services and thought you had to pay for a broker. Not true! I'm sure I lost money over the years going with a big bank now that I see how competitive those lenders were to fight for my business. Thanks Spencer!

"My fiance and I recently purchased a property and used Spencer Ennis as our mortgage broker. Right from the start we knew we made the right choice. Spencer was very knowledgeable, friendly and genuine. Being first time buyers, we had a lot of questions and Spencer was able to answer them all. He also worked well with our Realtor and was well organized to meet deadlines. He also kept us organized and reminded us if there was any paper work or tasks we needed to get done. We highly recommend Spencer Ennis as a mortgage broker and will be using him again when we purchase or next home."

"Spencer is experienced and knowledgeable, and took the time to explain, ensuring I understood. In addition to educating me through the mortgage renewal process, he was helpful in discussing ways to build/keep a good credit score (and helped me understand how that works). Spencer also took the time to fix (and coach me on how to fix) some errors on my credit. He was quick, efficient, and I felt valued and respected."

"Spencer provided us with excellent service! He was very helpful and patient. He provided us with very simple explanations of some complex matters. He was a pleasure to work with."

"Spencer is almost our family’s exclusive mortgage consultant. I used to seek mortgage from the bank because it is convenient and having lots of activities and transactions with the bank that we always met. We developed quite a good relationship with the bank staff. Starts from my daughter’s first purchase and then remortgage to other location, I found Spencer’s professionalism and he explains the terms clearly and alert me some area need to pay more attention. When I bought a premises recently I have no doubt to contact Spencer before approaching my banker. Spencer will shop around and gets the best deal for us. I just realize we have a choice to choose. If I were contact the banker without asking Spencer I would only stick to one bank (that means no choice). We would not be able to shop around amongst different creditors but Spencer lends his hands. In the customer’s perspectives, nobody would reject choices and service. I am glad I get to know Spencer through my daughter. One more thing, he screens my background over the phone, then sending everything he needs in one email. After the gathering of all documents by responding to him in one email, I save my time to enjoy afternoon tea with my family. When things done, the fund sent to the realty lawyer. Why not? Thank you Spencer"

"100% recommend Spencer - highly knowledgable, patient, and able to provide the best rates in the market. Amazing customer service and incredibly efficient and effective in providing support throughout the entire process."

It was great working with Spencer. He was knowledagable and easy going. Very flexible and available schedule and very helpful. Would highly recommend!

"Spencer was a pleasure to deal with. He is very knowledgeable and took the time to answer all my questions. On top of that, his organizational skills helped keep us on top of all our necessary documents that was needed for the mortgage. I truly appreciate all his assistance-thank you so much"

"Spencer is a very helpful, thoughtful and educated mortgage broker. He will do his best to find the product that fits your specific situation without putting any pressure into your decision. I highly recommend Spencer. If you’re looking for a mortgage broker that will put your best interest first, look no further."

"Spencer is one of the best mortgage brokers we have worked with. He is responsive, knowledgeable and always gets us the best rates. We have been clients of Spencer's for the past 6 years and know we can count on him to get the job done! Thank you for another seamless experience!"

"Spencer is nothing short of amazing when it comes to helping you find a mortgage that suits your needs. He listens to your concerns! When I was worried whether or not my house could sell enough to cover the down payment, he looked into asking the lender if we could get extra funds for the mortgage. Working with Spencer definitely gave me a peace of mind. He helps mitigate the stress of finding a mortgage. I would definitely continue to choose Spencer for all my future mortgage needs."

Thank you so much for all your help with this purchase Spencer. We really weren't sure this would work out and are so happy to have been able to get this property. And thank you very much for the movie tickets. We will be date nighting soon. :)

As a legal assistant/conveyancer for a notary firm that works with many mortgage brokers on a regular basis, I chose to work with Spencer on my personal mortgage because he is extremely knowledgeable and prompt in response to any questions. I really enjoyed working with Spencer and would definitely recommend him!

"Spencer has been working with us for many years. He is not a mortgage broker but a mortgage MAGICIAN, mortgage ROCKSTAR or mortgage NINJA... He has got us the best deals every single time, which has allowed us to kick start amazing real estate projects (we are land developers). He is not only as competent as it gets, but so kind and a pleasure to talk to. He is always one step ahead! Thanks Spencer!"

"Spencer was recommended to us by a friend. From the day we first contacted him, Spencer became readily available for any questions or concerns relating to re-financing our home. He was available at any hour of the day and never made us feel rushed throughout the process. Spencer communicated very effectively and walked us through every step of the process. We are very thankful to have worked with him and extremely happy with how professional and effective he is. We recommend his services to anyone."

"We have used Spencer’s services 3 times and have had nothing but great experiences working with him. He has worked very hard to get us exactly the mortgage we needed each time. He is a fantastic mortgage broker that goes above and beyond for his clients."

Thanks for getting us the financing we needed Spencer. We appreciate all of your help and especially recognize your hard work and dedication in getting the purchase mortgage approved. We’re all settled into the house now and are loving it!

"Spencer came through as always when we were in a bind and we have recommended him to family and friends who have also enjoyed his service, highly recommend"

Thank you Spencer for your assistance with our mortgage. You are the first Mortgage Broker we have ever dealt with and we admit we were nervous as we did not know what to expect. You made our experience dealing with you very easy and as well, you were very patient and took the time to explain it all to us and for that we thank you. We definitely will refer you to everyone we know who could use your services.

"It’s our second time using Spencer and every time I’m so so so grateful to have a mortgage broker that is so knowledgeable in the business. He breaks everything down and always finds us the best deal. He’s also fast and well organized. I like to think of myself as well organized so I had an alarm set to reach out to him 3 months before our mortgage renewal. Spencer beat me to it and reached out to me 2 weeks before my scheduled date! He is quick to respond to emails and does a great job breaking down what documents are needed etc. I would highly recommend Spencer and his team!"

"I came to Spencer with a short timeline to renewal and he did an amazing job making sure things were moving. He always communicated promptly. He always gave a succinct and objective answer to any question. Very well done."

"Spencer's very knowledgeable and professional. Highly recommended!"

"We have been working with Spencer since our first purchase. He takes a personal interest in his clients and goes the extra mile every single time. If there was an option for 10 Stars I would have rated Spencer and his team at Bayfield Mortgages 10 Stars for sure. I would not hesitate to send anyone I know over to Spencer for any of their mortgage broker needs."

"Spencer has been our broker for the last few property purchases we have made. He is knowledgeable, friendly and trustworthy. We highly recommend Spencer."

Hi Spencer, My heart is filled with gratitude for the assistance you gave me not only in helping me source the best mortgage rate, but also the timely advice and suggestions pertaining to the housing market in BC. As a new comer to this province, your expertise was invaluable. Keep up the good work. Regards Pauline Bell

"I don’t ever leave reviews but I feel this one is not only exceptionally earned but necessary to help others in this day in age. In refinancing my mortgage my case was not an easy one as I was trying to get out of private lending with an insolvency on my record. I tried multiple avenues before being referred to Spencer Ennis and nobody seemed interested in helping me. I was ignored, dismissed and given the runaround by a particular company that dragged this process out and made it entirely more expensive and stressful for me as I jumped through hoop after hoop. Then I found Spencer who was absolutely fabulous. Not only did he procure a great mortgage for me at a fantastic rate but he was encouraging and calming. No question ever remained unanswered and he fought for me to get me exactly what I needed. The combination of his professionalism and compassion for my situation goes beyond anything I could have ever asked for and the timeliness goes unmatched by anyone I’ve ever worked with. I would hands down with zero reservation recommend him to anyone. I will continue to bring Spencer my business as I hope to grow my homeownership portfolio knowing confidently I will be guided in the best direction without question. Thank you Spencer, when everyone else gave up on me and decided I wasn’t worth the trouble you stepped in and saved me my home. I am forever indebted."

"Spencer was so amazing by explaining everything in a way I was able to understand, and securing us a good rate at an unstable time. Couldn’t speak more highly of him and his professionalism but also how much he cares!"

"Spencer was amazing in getting us what we wanted and in a very timely fashion. I would high recommend him to anyone who is just starting out, or even renewing. It was quick and he covered all aspects in details."

"Spencer Ennis has been an integral part of two property purchases my wife and I have made over the last five years. These were our first and second ever real estate transactions, and we were overwhelmed with the fine print associated with mortgage financing. Spencer displayed a deep understanding of mortgages, and has always taken whatever time necessary to answer our questions, no matter how juvenile they may have seemed. He's found lending options for us that suit our needs, and most importantly left us feeling confident in our purchases. I have referred friends to him, and they echo our praise and gratitude for the patience and understanding he shows for less experienced buyers. If future opportunities for real estate investment present themselves, we know who our first contact will be."

Spencer Ennis

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