My Rates

6 Months 3.10%
1 Year 2.19%
2 Years 2.19%
3 Years 2.24%
4 Years 2.49%
5 Years 2.54%
7 Years 3.44%
10 Years 3.84%
6 Months Open 6.30%
1 Year Open 3.75%
*Rates subject to change and OAC
Spencer Ennis Mortgage Broker

Spencer Ennis Mortgage Broker

Verico Bayfield Mortgage Professionals

101-19909 64th Avenue, Langley, British Columbia









It PAYS to shop around.

Many Canadian homeowners pay too much for their homes because they are not getting the best mortgage financing available in the market.

The mortgage process can be intimidating for homeowners, and some financial institutions don't make the process any easier.

But I’m here to help!

I’m a VERICO Mortgage Advisor and I’m an independent, unbiased, expert, here to help you move into a home you love.

I have access to mortgage products from over forty lenders at my fingertips and I work with you to determine the best product that will fit your immediate financial needs and future goals.

VERICO mortgage specialists are Canada’s Trusted Experts who will be with you through the life of your mortgage.

I save you money by sourcing the best products at the best rates – not only on your first mortgage but through every subsequent renewal. So whether you're buying a home, renewing your mortgage, refinancing, renovating, investing, or consolidating your debts — I’m the VERICO Mortgage Advisor who can help you get the right financing, from the right lender, at the right rate.

BLOG / NEWS Updates

Canadian home sales rebounded last month according to CREA

According to statistics released today by The Canadian Real Estate Association (CREA), national home sales increased in October 2015 from the previous month. Highlights: National home sales rose by 1.8% from September to October. Actual (not seasonally adjusted) activity was little changed (+0.1%) compared to October 2014. The number of newly listed homes was up 0.9% from September to October. The Canadian housing market remains balanced overall. The MLS Home Price Index (HPI) rose 6.7% year-over-year in October. The national average sale price rose 8.3% on a year-over-year basis in October; excluding Greater Vancouver and Greater Toronto, it increased by 2.5%. The number of homes trading hands via MLS Systems of Canadian real estate Boards and Associations rose by 1.8 percent in October 2015 compared to September. As a result, national activity stood near the peak recorded earlier this year and reached the second-highest monthly level in almost six years. There was an even split between the number of markets where sales posted a monthly increase and those where sales declined. The national increase was driven by monthly sales gains in the Lower Mainland of British Columbia together with the Greater Toronto Area (GTA) and surrounding areas, led by the York Region, Central Toronto, and Hamilton-Burlington. The continuation of low interest rates is supporting home sales activity, said CREA President Pauline Aunger. Even so, the strength of sales activity varies by location and price segment across Canada. All real estate is local, and REALTORS remain your best source for information about sales and listings where you live or might like to in the future. October extended resale housing market trends of recent months, said Gregory Klump, CREAs Chief Economist. Single detached homes continue to be in short supply while demand for them remains strong in a number of active and populous housing markets in British Columbia and Ontario. Meanwhile, an ample supply of condo apartments remains. The balance between supply and demand is generally tighter for single detached homes than it is for condo apartments and thats unlikely to change any time soon. For that reason, price gains for single detached homes should continue to outstrip those for condo apartment units for some time.

Canadian employment up in October; unemployment rate dips

Canadian employment surged by 44,000 in October 2015, which was above mar- ket expectations for a 10,000 increase although with much of the gain appearing to be the result of temporary hiring for the October 19, 2015 federal government election. The October gain built on 12,000 increases in both August and Septem- ber. 35,000 of the increase in September were in part-time positions with full- time employment up 9,000. Public employment rose by 31,000, although private employment jumped by 41,000, with the offset from a 27,000 drop in self- employment in the month. The unemployment rate dipped to 7.0% after rising to 7.1% in September from 7.0% in August. The dip in October was despite a rise in the labour force, with the participation rate increasing to 66.0% from 65.9% in September. Hourly wages for permanent employees rose by 2.8% from a year ago, which was unchanged from Septembers pace.


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