The Spark Difference
Brokers are our priority. Enjoy fast approvals, clear upfront rates and terms, and flexible, tailored solutions designed for your clients.
Benefits of Working with Spark
Spark Mortgage is a private lending company that offers customized loan solutions for borrowers needing flexible financing. We understand borrowers’ unique challenges and opportunities and provide fast, transparent, and reliable service.
Quick Approvals
Get an answer the same or the next business day so you can deliver a solution to your clients quickly.
No Appraisal, No Problem
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Fair Terms
We fully disclose rates, fees, and terms upfront, so there are no surprises at closing or renewal.
Please submit your file to Spark Mortgage via your preferred submission platform. We accept electronic submissions from FINMO, Filogix, Velocity & Mortgage BOSS.
Generally, 75% is our maximum LTV, but we can go up to 80% on exception.
Our rates are determined on a case-by-case basis. Regarding fees, we charge 1% on 1st mortgages and 2% on 2nd mortgages, with a $2,000 minimum.
We offer 1st mortgages, 2nd mortgages, 3rd mortgages, HELOCs, and deposit loans.
We fund mortgages from as little as $50k up to $5M+
We lend everywhere in BC, as well as in major urban centres in Alberta.
We will finance residential homes, detached, townhomes, and condos. We also finance commercial, semi-commercial, vacant land, construction, acreage, mobile homes, lease land, and ALR.
What Our Clients Say
Our clients love our transparent approach to mortgages. Their positive experiences show how we’re dedicated to helping you every step of the way!
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!
Get in touch