With over two decades in financial services, Invis – Canada’s Best Mortgage has been a trusted name since 2011. Led by Brad Speniel since 2013, we make your mortgage experience seamless and efficient. Our tailored solutions fit your unique needs, helping you save money and simplify homeownership with transparent, personalized service.
We save homeowners money by getting you the best mortgage and then help you pay it off in half the time.
Using NETTRAKK, you’ll gain real-time insights into your mortgage, home value, and equity—helping you save money today and plan for future goals like refinancing, accessing equity, or purchasing your next property.
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We Make Mortgages Easy Simple Affordable Stress-Free Transparent Customized Convenient Friendly Understandable Straightforward Personalized Efficient
At Invis - Canada's Best Mortgage, we believe that securing a mortgage should be a smooth and rewarding experience. Our expert team is dedicated to making mortgages easy, simple, affordable, stress-free, and transparent. We provide customized solutions tailored to your unique needs, ensuring a convenient and friendly process. With our straightforward and personalized approach, you’ll find mortgages understandable and hassle-free. Trust us to guide you through every step with clarity and support, making your homeownership dreams a reality.
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About Us
Welcome to Invis - Canada's Best Mortgage, where your financial goals become our mission.
At Invis – Canada’s Best Mortgage, we believe that every client deserves personalized, expert guidance to navigate the complex world of mortgages. Our team is dedicated to helping you find the best mortgage solutions tailored to your unique needs and circumstances.
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NETTRAKK: Your Mortgage Made Simple
At Invis - Canada’s Best Mortgage, we provide our clients with exclusive access to NETTRAKK—an innovative tool that helps you manage your mortgage and maximize your home’s value. NETTRAKK keeps you informed with real-time updates on your mortgage balance, property value, and net equity, while offering powerful calculators to explore strategies like pre-payments, refinancing, or accessing equity. Available free to CBM clients, NETTRAKK is your key to smarter mortgage management and greater financial freedom.
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How it Works
Understanding Mortgage Basics
Get to know the essentials of mortgages. Learn about key terms, different types of mortgages, and how interest rates work. Whether you’re a first-time homebuyer or looking to refresh your knowledge, this is the perfect place to start.
See MoreThe Mortgage Process Explained
Navigating the mortgage process doesn’t have to be overwhelming. We break down each step, from pre-approval to closing, so you know what to expect and how to prepare for a smooth, stress-free experience.
See MoreStrategies to Pay Off your Mortgage Faster
Discover ways to save money and pay off your mortgage sooner. Learn about prepayment options, bi-weekly payments, and how our NETTRAKK system can help you reduce your mortgage term and save thousands in interest.
See MoreMortgage Options for Unique Situations
a. Explore tailored mortgage solutions for unique financial situations. Whether you’re self-employed, a medical professional, or have less-than-perfect credit, we offer specialized programs and alternative lending options to meet your needs.
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Need us to guide you through the process? Hit the Guided Calculator toggle and we’ll help you out.
Need us to guide you through the process? Hit the Guided Calculator toggle and we’ll help you out.
Need us to guide you through the process? Hit the Guided Calculator toggle and we’ll help you out.
Need us to guide you through the process? Hit the Guided Calculator toggle and we’ll help you out.
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F.A.Q
Frequently asked questions
What is the first step in getting a mortgage?
Answer: The first step in getting a mortgage is getting pre-approved. This involves assessing your financial situation, including your income, credit score, and debt levels, to determine how much you can borrow. A pre-approval gives you a clear budget and shows sellers that you’re a serious buyer.
How much can I afford to borrow?
Answer: The amount you can afford to borrow depends on your income, debts, down payment, and current interest rates. Our team can help you determine your borrowing power based on these factors, ensuring that your mortgage fits comfortably within your budget.
What types of mortgages are available?
Answer: There are several types of mortgages available, including fixed-rate, variable-rate, open, and closed mortgages. Each type has its own benefits and considerations. We’ll work with you to choose the mortgage that best suits your financial goals and risk tolerance.
What’s the difference between a fixed-rate and a variable-rate mortgage?
Answer: A fixed-rate mortgage has an interest rate that remains the same for the entire term, providing predictable payments. A variable-rate mortgage, on the other hand, has an interest rate that can fluctuate with the market, which can result in lower payments when rates are low, but higher payments if rates increase.
How much do I need for a down payment?
Answer: In Canada, the minimum down payment is 5% of the purchase price for homes costing $500,000 or less. For homes between $500,000 and $1,000,000, you’ll need 5% of the first $500,000 and 10% of the portion above $500,000. For homes over $1,000,000, the minimum down payment is 20%. We can help you explore options if you’re concerned about saving for a down payment.
What is mortgage insurance, and do I need it?
Answer: Mortgage insurance (also known as CMHC insurance) is required if your down payment is less than 20% of the home’s purchase price. It protects the lender in case you default on the loan. The cost of mortgage insurance is added to your mortgage and is paid off over the term.
Can I pay off my mortgage early?
Answer: Yes, many mortgages offer prepayment options that allow you to pay off a portion of your mortgage early, reducing the total interest paid and shortening the amortization period. It’s important to check the terms of your mortgage, as some may have prepayment penalties.
What if I have a low credit score?
Answer: A low credit score can make it more challenging to get a mortgage, but it’s not impossible. We have access to alternative lenders who specialize in helping clients with less-than-perfect credit. We’ll work with you to find the best options for your situation.
How long does the mortgage approval process take?
Answer: In most cases, we can determine your mortgage pre-approval right after taking your application. For more complex deals, it might take a few days to get final approval. We’ll guide you through the process and keep you informed every step of the way.
What documents do I need to apply for a mortgage?
Answer: Typically, you’ll need proof of income (such as pay stubs or tax returns), a list of your assets and debts, proof of down payment, and identification. If you’re self-employed or have other unique financial situations, additional documentation may be required. We’ll provide you with a complete list based on your specific circumstances. You can also click here.
Can I switch my mortgage to a different lender?
Answer: Yes, you can switch your mortgage to a different lender, often to take advantage of better rates or terms. This process is called mortgage refinancing. We can help you determine if switching lenders is the right move for you and guide you through the process.
What is the NETTRAKK system, and how does it help me?
Answer: The Nettrakk system is an innovative tool we use to help reduce your mortgage amortization period, saving you thousands of dollars in interest. It also assists with future needs like equity take-outs, refinancing, or planning for a home sale. By analyzing your mortgage details, Nettrakk helps you pay off your mortgage faster and more efficiently.