Ted and Marylee McCallum
“Spencer, it has been a pleasure working with you. You made this an easy and stress-less exercise. Well appreciated.”
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.
Josh Kleskovic + Family
"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. :)”
Kimberly and Sandra Amador
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!
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.
Neil and Maria
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 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."
Dennis & Nora Rackliff
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.
Jose and Olivia Meza
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.
"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!"
Jacob and Kaitlin Smith
"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.
Fantastic advice and support, I’m extremely happy with the service I received from Spencer, absolutely the best service!
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!
Andy and Kristin
"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"
Genya and Ava
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!"
Jenn and Jordan
"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 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.
Haley P (and Vincent VT)
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.
Alfred and Michelle Welch
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!
Christopher and Kristine Loch
"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"
Sheila and Keith Youngson
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.
Chase and Joelle
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.
Nicole MacDonald and Nicolas McIntosh
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!
Josh & Terri Bonderoff
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!!!
Mark and Holly
"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!!"
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!!!!
Ryan and Amye
Spencer was absolutely amazing. I would recommend him to anybody looking for a mortgage. Very polite, answered all of our question!!! AMAZING!!!
"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."
Gloria Santa Cruz, Realtor
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.
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."
Kristin and Warren
"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."
Mark and Amanda Meyer
"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"
Minhee Heo and Dongmin Jo
Spencer helped me a lot and I got a very good mortgage rate. I really appreciate his awesome effort. Thank you so much.
"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!"
Marianne and Harry Boettcher
"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!"
Harry and Marianne
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."
"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."
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
"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."
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.
Mike and Jenn Brake
We just wanted to say a huge thank you for all your help with our mortgage and future planning. Honestly - we truly appreciate it!
Susan and Trevor Poole
"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!"
Gabrielle and Mike
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!
Ray and Judy Bright
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!
Chris and Alyson
"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."
Cherry and Steven Ngai
"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"
It was great working with Spencer. He was knowledagable and easy going. Very flexible and available schedule and very helpful. Would highly recommend!
Doug and Julia Crosby
"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."
Stephanie T. and Brett R.
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!
Al Hibbs and Jennifer Partington
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!
Marjory and Bob Vickers
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.
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