Freedom to Finance Your Dreams

We ignite your financial journey with tailored lending solutions, competitive rates, and personalized service. Let us spark your dreams into reality.

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The Spark Difference

Spark Mortgage was founded in 2014 as a lending company. In 2022, we expanded to become a full-service mortgage brokerage and administration company.
We offer creative lending solutions and investment opportunities. We are always fair and transparent and help people in complex financial situations reach a better place.

A team of highly experienced mortgage professionals

Mortgage financing available across BC & Alberta

Opportunities to invest in private mortgages

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What Our Clients Say Headline

Our clients love our transparent approach to mortgages. Their positive experiences show how we’re dedicated to helping you every step of the way!

  • “I’ve used Ryan’s services both personally and professionally and he and his team have provided excellent, attentive service and products every time. Recommended for your financing needs, and especially for your less than conventional deals!”

    Shannon M.

  • “We have worked with Ryan and his team twice for both of our home purchases. He was thorough with answering our questions, timely in his communication, and helped us get a great rate on our recent purchase.”

    Erin W.

  • “Truly, the best possible mortgage experience that I could have. Both Ryan and Allison were incredibly responsive and were able to move on the opportunities much faster than a bank could have. They are both highly intelligent people and I strongly recommend their services.”

    Aaron P.

  • “We’ve just had our second mortgage placed by Ryan and Scott, and could not recommend their services highly enough. Although the rates they have managed to leverage on our behalf have been excellent (and will be the primary focus of many clients), there is substantial value in the time that they take to explain the process, educate us as to why we are going to place with a specific lender and keeps on top of all offers and incentives that are available. Response time to questions matches the quality of their responses is absolutely outstanding. You’ll have absolutely no regrets in engaging Ryan for your mortgage application/renewal.”

    Matthew E.

What We Offer

We are motivated to help others and always be fair and transparent. Our goal is always to help you get to a better financial place.

Explore Services

First Mortgages

We provide flexible first mortgage financing solutions tailored to your unique needs and circumstances.

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Second Mortgages

Our flexible second mortgage options are crafted to suit your specific financial needs and help you quickly reach your goals.

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Third Mortgages

Our third mortgage solutions are designed to offer additional financial support tailored to fit your individual needs and objectives.

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Lines of Credit

We offer Home Equity Line of Credit (HELOC) solutions customized to fit your financial goals and lifestyle, giving you flexible access to funds when needed.

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Reverse Mortgages

Our reverse mortgage solutions are designed to help you access your home equity while enjoying financial freedom and peace of mind.

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Deposit Loans

We offer deposit loan solutions that provide quick access to funds for your down payment, helping you secure your dream property confidently and efficiently.

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Investing in Mortgages

Explore an exciting opportunity to diversify your portfolio by investing directly in Canadian mortgages. Enjoy strong returns with minimal risk, backed by our proven track record. Since our inception, we have successfully funded hundreds of mortgages, ensuring every investor has achieved positive returns. Join us and invest with confidence!

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Talk to Us About Your Mortgage

Our experienced team is ready to offer personalized guidance tailored to your needs. Reach out today to discuss your options and see how we can help you achieve your financial goals!

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