Spencer Ennis of Bayfield Mortgage Professionals Ltd.

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Langley, BC
Spencer Ennis of Bayfield Mortgage Professionals Ltd.

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Based in the Lower Mainland and providing mortgage services throughout British Columbia - "Trusted F Thank you,

Spencer Ennis
604-897-4340

After thorough consultation, I ensure that your mortgage financing is structured to suit your unique needs, goals and entire financial portfolio then match your profile to the appropriate lender and product. Importantly, I do the negotiating and shopping around for you throughout dozens of lenders and 100’s of products to get you the best deal for the most suitable financing. Product and client type:
• 1st, 2nd, and 3rd mortgages
• All Property Types
• Bank, Credit Union, Trust Company, Monoline, Private Lenders
• Self-Employed
• Stated, Little or No Income Verification
• First-Time Buyer
• Purchase – Relocating, Upsizing, Downsizing
• Purchase Plus Improvements
• Rental/Income/Second Home
• Construction Financing
• Equity Take Out
• Credit Concerns
• Life Event – Accident, Illness, Divorce, etc.
• Debt Consolidation
• New to Canada
• Down Payment Type - Minimal, Flexible (Borrowed), Gifted, WCB Pay-Out Legal Settlement, Etc.
• Renewal/Transfer/No Cost Switch
• Refinance

Additional Products:
• Home Equity Line of Credit
• Reverse Annuity Mortgages (Home Income Plan- No Payments)
• Unregistered and Registered Investments (GIC’s and RRSP’s)
• Secured and Unsecured Credit Cards
• Mortgage Life/Disability Insurance

Additional Services:
• Credit Repair/Counselling
• Ongoing Education and Information
• Annual Mortgage Reviews
• Payment Review Service
• Spending and Budgeting Plans
• Mortgage Payment Optimization Plans

The vast majority of my services are of absolutely no cost to you so please feel free contact me at any time to start your consultation.

11/02/2026

ANOTHER GREAT REVIEW: "We’re so grateful to Spencer for helping us purchase our first home! As first-time buyers, we had lots of questions, and I really appreciated his patience and the time he took to explain everything. There were moments when the process felt overwhelming, and having someone we could reach out to and trust made such a difference. Thank you, Spencer, for all your help and support. We would definitely recommend working with him!"

10/28/2026

BREAKING NEWS: The central bank said on Wednesday morning it was raising the trendsetting interest rate by .25%, ending its long wait-and-see approach on the rate question. This is the first time since July 2023 they have done so and it comes amid rising fears about the national inflation outlook.

The overall consumer price index (CPI) climbed only modestly month over month in September (to 3.1%, up by 0.1%), but the Bank’s move will be viewed as a pre-emptive bid to stave off the threat of higher energy costs spilling into other sectors.

10/26/2026

ANOTHER GREAT REVIEW: "Spencer has been a pleasure to work with. We’ve worked with him twice in finding a mortgage lender under some trickier situations. He is extremely thorough, personable and works to get you the best deal he can find! Highly recommend."

10/26/2026

ANOTHER GREAT REVIEW: "Spencer is very thorough, kind, and on the ball. It’s very clear that he is working to get you the best deals He has extensive knowledge and is able to work with more difficult mortgages such as lease hold land or non permanent work contracts. Highly recommended!"

10/20/2026

ANOTHER GREAT REVIEW: "As first time home buyers, we had an excellent experience working with Spencer. From start to finish, Spencer was professional, knowledgeable, and incredibly accommodating with all our questions throughout the process. He took the time to walk us through our options, address our concerns, and help us navigate a complicated housing market with confidence. What we appreciated most was his transparency, responsiveness, and commitment to delivering exactly what he promised. He genuinely made the experience feel much more manageable. We couldn’t be happier with the service we received and would highly recommend Spencer to anyone looking for a reliable and dedicated mortgage broker."

09/14/2026

BREAKING NEWS: The Bank of Canada's mortgage rate outlook is unchanged after Statistics Canada reported the consumer price index (CPI) rose 3% year-over-year in August, matching July's reading and giving the Bank of Canada (BoC) little reason to alter its current hold.

Gasoline prices remained 23% above year-ago levels despite edging lower from July. Food prices eased to 2.8% year-over-year, the lowest since late 2024.

Most importantly for policymakers, the BoC's preferred core measures — CPI-trim and CPI-median — held close to the 2% target, and measures of inflation breadth remained contained.

09/02/2026

BREAKING NEWS: The Bank of Canada has held its policy rate at 2.25%, as widely expected.

The decision extends the Bank’s rate pause as it continues to assess inflation, economic growth and the effects of global trade uncertainty.

09/01/2026

ANOTHER GREAT REVIEW: "I had a fantastic experience working with Spencerfor my recent mortgage. They made the entire process incredibly smooth and stress-free. From the initial consultation to closing, Spencer was professional, responsive, and kept me informed every step of the way. I highly recommend their services to anyone looking for a mortgage."

08/19/2026

ANOTHER GREAT REVIEW: "Spencer Ennis was great to work with. I was totally overwhelmed when beginning the process, I didn’t know where to start and had a million questions. Spencer answered all my questions, always responded in a timely manner and had SO much patience. He took care of all the applications and paperwork and now my partner and I are going to be homeowners of the house we love. Thank you for everything!"

08/15/2026

ANOTHER GREAT REVIEW: "Spencer was very thorough and professional during our mortgage renewal process. I highly recommend him!"

Address

19909 64th Avenue
Langley, BC
V2Y1G9

Telephone

+16048974340

Website

http://www.spencerennis.ca/

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