Spencer Ennis of Bayfield Mortgage Professionals Ltd.

Spencer Ennis of Bayfield Mortgage Professionals Ltd. 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.

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!"

08/14/2026

ANOTHER GREAT REVIEW: "This is my first Mortgage with Spencer and I can’t stress enough how easy he’s made the process! Helpful basically 24/7 weekends and evenings, is always willing to answer questions. Super knowledgeable and had my best interests at heart. It’s a pleasure working with him and would definitely recommend Spencer for anyone’s mortgage needs."

08/08/2026

ANOTHER GREAT REVIEW: "Worked with Spencer to get my mortgage approval. Spencer was kind and personable, helpful and thorough, and communicated in a timely and efficient manner. He made the entire mortgage-approval process seamless and stress free."

This is an interesting chart that shows that individual investors hold the largest rental/investment share of real estat...
07/16/2026

This is an interesting chart that shows that individual investors hold the largest rental/investment share of real estate stock in British Columbia. This dispels the notion of the big evil corporate conspiracy and verifies that landlords are largely private individuals who's future depends on the financial health of their rental properties and are tied to their retirement plans that are usually modest.

07/15/2026

BREAKING NEWS: The Bank of Canada has left its policy rate unchanged, holding steady for a sixth consecutive announcement in a decision that will come as little surprise to mortgage and financial market watchers.

The central bank said on Wednesday that it was keeping its trendsetting interest rate at 2.25%, extending a streak that started last December and has stretched through all of 2026 to date.

Canada’s annual inflation rate ticked up to 3.2% in May, the first time in nearly two and a half years it surpassed the central bank’s 3% upper target, in a development that might normally have boosted the odds of a rate hike.

But Bank decisionmakers have maintained a wait-and-see approach to interest rates throughout the year to date amid a sluggish economy and continued uncertainty caused by the US-Israel war in Iran – meaning few observers expected anything other than a rate hold in today’s decision.

Thank you to all my clients and lenders for working with me. Each one of you has contributed to this prestigious Preside...
06/29/2026

Thank you to all my clients and lenders for working with me. Each one of you has contributed to this prestigious President's Club award that I have received for the ninth year in a row, which also happens to be literally every single year since the inception of the honour. You can sure say that I am consistent!

Address

19909 64th Avenue
Langley, BC
V2Y1G9

Telephone

+16048974340

Website

Alerts

Be the first to know and let us send you an email when Spencer Ennis of Bayfield Mortgage Professionals Ltd. posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Spencer Ennis of Bayfield Mortgage Professionals Ltd.:

Shortcuts

Share

Category