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We save homeowners money by getting you the best mortgage and then help you pay it off in half the time.

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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.

About CBM Mortgages

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.

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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.

CBM Services

Mortgage Services

For Home Buyers

Unlock Your Dream Home

At Invis – Canada’s Best Mortgage, we guide you through every step of buying a home. With access to over 50 lenders, we find the best rates and terms tailored to your needs. Let us help you unlock the door to your dream home with ease…

For Home Owners

Maximize Your Home’s Potential

Invis – Canada’s Best Mortgage helps homeowners refinance, take out equity, and plan for future needs. Our NETTRAKK system and expert team find the best rates and terms to fit your goals. Maximize your home’s potential and save money with us.

Client Reviews

Excellent Mortgage Broker! Wow,… Brad really came through for us in a very tough situation. Brad has many years in the industry and because of his connections and loyalty with lenders,, we were able to have our mortgage approved within 2 hours. This is because we were so messed around by the other Mortgage Broker and only hand hours before the deal closed and Brad did the impossible! I highly recommend Brad to get the job done thanks again Brad!!

Deborah Nugent

My partner and I close to work with Brad after he was recommended to us, and I am so glad that we did. As first-time home buyers, we always felt that we were in good hands. Brad is a consummate professional: he is knowledgeable and skilled at navigating through the complications that can arise during mortgage financing. We were very favourably impressed and cannot recommend him highly enough.

Mark N.

3rd time customer with Brad Speniel – Highly recommend! Brad has now helped us with our first mortgage, a one-year remortgage to clean up some finances and now another five year term. Brad is consistently pleasant to deal with, found us options that best met our needs, gave great advice in the current mortgage landscape and was/is always happy to answer any questions about any part of the process at any time. His responsiveness to customers’ needs in or experience is fantastic and highly recommend Brad if you are seeking your first, second or any other mortgage in the Greater-Victoria, BC Area. 11/10

David Handysides

A real pro! My wife and I were referred by a friend to Brad about acquiring a new Mortgage. Brad was responsive, upfront and realistic with us about our options. We could tell he was experienced and knowledgeable and he displayed great work ethic in finding us the best options available. He presented us with different mortgage options and explained the pros and cons in a clear and concise manner. We learned a ton and would confidently work with Brad again in the future!

Alex Gralewicz

Wonderful Service! Brad is a caring, honest and no pressure broker. We came to Brad on recommendation from family and he provided the information we needed to make a decision. I will recommend Brad to my family and acquaintances in the topic of mortgages comes up. Thank you Brad for all your help and understanding.

Terry Klassen

Brad was super informative and a great help in closing my mortgage. Highly recommend!!!

Colin Darnel

Very Good! This was my first time buung and Brad Speniel was very helpful. Answered all my questions and I had a lot. Always easy to get a hold of and quick to respond. No pressure at all, definitely was just trying to get me the best fit for a mortgage. Would use again.

Elliot Conroy

Mortgage Brokered! Brad Speniel was a pleasure to work with from start to finish. He handles every situation quickly and efficiently. This is the second time we used him for a mortgage. I would, and have, highly recommend him to anyone looking for a mortgage broker.

Lane Breckenridge

We have had wonderful experiences with Brad. We will keep returning and continue to recommend him to friends and family.

Stacie B.

Great service! I was able to get pre-approved within a day, and was able to move into my condo within a month1Friendly service and quick service. I would highly recommend Brad.

S. Jensson

You are the best! Brad Speniel has recently helped me with a refinance process. I have been so impressed by his professionalism and dedication. With his smart mortgage strategies and using the best practices & technologies, he has made this scary process so easy1Thank you Brad, you're the best.

Sharon Z.

Excellent service! As a returning client, I was once again impressed with Brad's knowledge and commitment to getting us the best mortgage product available. Communication and follow up was excellent. Thanks Brad1!!!

Pam Davis

Highly recommend...conscientious and knowledgeable. Brad has been essential thoughout my financing process providing exceptional communication and posrtivity. He is a trustworthy, steady and insightful ally.

Duff Constandinou

Charli Steketee

Blue Ribbon Service! From beginning to end Brad was exceptional at addressing our questions witl1 knowledge and expertise that was outstanding; he moved the process along seamlessly and provided blue-ribbon service. Best mortgage experience we've ever had. Thank you, Brad.

Laura Vizina

Precise clear process with Brad Easy to talk too.

LoriAnn Locken

Great experience! Brad has been so helpful with the purchase of our first home. He was able to answer any question we had immediately and made the whole process smooth and easy. Can highly recommend Brad to any first time homebuyers in Victoria.

Meindert Skeketee

Excellent communication and insight! Brad was always there when needed, was patient and generous with his time through the process and was a rock steady ally.”

Duff Constandinou

Hands on & great communication! The great thing working with Brad is that he is a great communicator. Brad gave us update on everything though the process on referencing our mortgage. What was happening and what to expect etc. It was our first time renewing so it made me feel ease of getting it done and When I asked him questions by emails his replies were pretty quick.

Midori Dicks

A-1. All needs, explanations and requirements were met with a smile and a wealth of information. Definitely my future mortgage broker and an easy referral. Brad rocks.

Judy Smith

Brad Speniel - Mortgage Broker. I have the highest regard, respect and appreciation for Brad Speniel whom I had a meeting with a few weeks ago concerning possibility of obtaining a mortgage. He was informative, friendly and professional. I would not hesitate to recommend him and his company. A positive pleasure to deal with and I would gladly do business with him again.

Sarah Clarke

Super service! We have have a very positive experience working with Brad. It was super. Everything was so easy and went so smoothly. I would not hesitate recommending his services in the future.

Gerald Nugent

Amazing Experience! I have used Brad at lnvis - Canada's Best Mortgage, for every single one of my mortgages - he is informative, prompt and thorough interaction - very friendly and such a pleasure to deal with, I would not hesitate to recommend them to anyone, thanks again.

Amber Drinkle

Brad has always been very helpful to us in all our dealings with him. It is always nice to work with someone so cheerful and experienced.

Berdina De Ridder

Great service! This is the second lime we have used INVIS in particular Brad Speniel for our property purchases. Have had a great experience on both occasions. Brad was quick to communicate, very good at explaining the process and overachieving on promises of interest rates and timelines for qualifying. We will always use Brad for all home or property purchases we make. Great honest guy with a great sense of humour 1! Randy and Cindy Andres.

Randy and Cindy Andres

Best (and nicest) mortgage broker/human! We've had Brad guide us through the purchase of two homes now. Each time, he's been thorough with his explanations and has been smart to use 'layman's terms' so we understood the process. Brad always has a smile on his face, and treats you like you're his favourite customer! It's always a pleasure to work with Brad, and we will use his services exclusively in the future - whether it's for renewal or another

Melissa Holman

Five Stars! Brad is very knowledgeable, helpful and always available for questions and support. Very happy with his level of service and professionalism.

Jeff Fetissoff

Supportive Process! Brad was very supportive during the complicated mortgage process. We had never worked with an online company before and he was able to explain the process to us as it unfolded.

Patricia Whiteley

Best Mortgage Broker Ever! Brad has been extremely resourceful, efficient, and helpful both times I have gotten mortgages and I would recommend him to anyone. He is very professional and eager to help. Thank you Brad!

Melissa Carroll

Integrity, professional, and hard working - Brad works hard to get you the best offer possible. He is totally transparent showing his integrity and deals in a fully professional and friendly manner.

Charles Groot

Brad provides exceptional service! He is quick to respond, always available. and found us a great rate1.

Nathan Groot

Great Service - This is our third transaction with lnvis - Canada's Best Mortgage company and we would def,nately recommend this company and specifically our Mortgage Broker Brad. The friendliness and willingness to help with even the smallest details without hesitation is why we keep coming back. You won1 regret using this company for your Mortgage needs.

Cindy Andres

Use Brad Speniel as your Broker! This is the second time I have used Brad to set up a mortgage. He was very helpful and prompt with his responses to all my questions. I definitely recommend his services.

Chris Hinz

Top-notch service! Thank you very much Brad for getting us our mortgage• You were amazing to work with and I would recommend you to anybody. I will definitely be calling you back for our renewal:)

Sean Pettifer

Cameron Repas

Brad Speniel is a trustworthy broker who helped us achieve our dream of home ownership. He was able to lock in a dependable mortgage with a great rate from a reputable lender. When people ask about finding a mortgage that is more than a good rate, I recommend Brad from Invis.

Jordan Erickson

Brad was very thorough with explaining everything and always friendly and professional.

Stephanie Webster

Brad worked with us to find the best mortgage possible. In our case the purchase was tough. only one lender would consider our location• Brad provided info and updates as the buying process continued, we are very happy to have completed the process in good order. Thanks, Brad1.

Jon

Brad was very personable and got us a great rate. The experience would have been better if we had been provided with a specific checklist of all documents required at the inttial meeting.

Jane Fotehrgill

Excellent work getting us the best deal possible. Brad works tirelessly to make everything easy for the borrower, and he does it all with a smile.

Justin

Brad was amazing1!He kept us informed of all the changes and worked really hard with the lenders to get us a great rate 1!

Carolyn Duncan

Very helpful. Quick replies and always available. We are also very pleased with the product.

Cobus de Klerk

Brad, your service was excellence. You delivered what you promised. Thank you very much.

Martin O’Hara

I am satisfied with the service INVIS provided for me. I want say a special thank you for Brad Spaniel. He is very professional, and he did an excellent job for me. He put everything together in very short time. He got the financing for me, and I bought a condo. I am very happy because I applied to really Canada's Best Mortgage company.

Lana Sokolova

Very helpful.We will recommend to our friends and family.

Marie Dela Curz

I felt that my mortgage was as important to Brad as it was for me. He found the best rate. A lot better than I ever could Customer service was excellent. barre none.

Lisa McGill

Very Satisfied for the service that Brad provide for our morgage renewal. He even help us to better understand why we have to choose him as our broker agent. He is always available and easy to contact if we have questions. Overall we are very happy with the outcome of our morgage renewal. Brad is highly recommended.

Eric Dela Cruz

Brad did a great job finding us a mortgage with a great rate and always kept us informed. Thanks so much!

Donny Patterson

Brad was super helpful and made the whole thing easier than I imagined possible.

Eric Hutchings

Brad helped us get our mortgage sorted really quickly and easily. He even helped us get our tax returns, which could not locate! He kept us well informed throughout the process and made it all as easy as possible. I HIGHLY recommend him for your mortgage needs.

Nikki Lineham

Brad has always gone over our expectations in customer service and made this transition from a first condo buying experience to the selling and buying of our new forever home. Always there when you need him and answer any questions that we might have had. I will always recommend him to anyone one that might need his services.”

Kiah Lafleur

Brad was able to answer all of my questions and help make sure that I had all the money lined up to make my move/mortgage seamless and a smooth transition into my new home. Thanks Brad111.

Chris Hinz

Brad was excellent made the whole process easy. I would highly recommend Brad his knowledge was second to none. Thanks Brad.

Adam Hunter

As first lime home buyers. we had to deal with many service providers and had a steep learning curve. Some people made us feel belittled or as if we were wasting their time. Brad Speniel was amazing. Brad is a shining example of good customer service. I would and will recommend Brad to others. Dealing with him was a pleasure and I get the sense he genuinely cared about us and our home purchase. Keep up the great work Brad1.

David Handysides

Good experience...

Kathy Mazerolle

Great service, detailed explanation, and key follow ups to keep us on track.

Blake Moreau

Great service, detailed explanation, and key follow ups to keep us on track.

Blake Moreau

Effortless. Felt I was in knowledgeable caring hands. On my side of the lending experience.

Liz Postle

Had a lot of fun working with Brad, we ran into some issues with purchasing a foreclosure, but managed to get through it unscathed.

Brendan Gilbson

Excellent service. Informative and helpful at every step in the process.

Kathryn Ely

I found the staff and service at lnvis to be exceptional. I never thought getting a mortgage could be so stress free and easy.

Steven De Vries

Brad was great1He walked me through every step of the process. Couldn't have done it without him and I wouldn't have wanted to.

Chris Jennings

A very positive experience going through that process of getting a mortgage for the first time.

Brian Gilmore

Excellent service..Brad was so professional & everything was so smooth & I will be recommending him to my friends...sorry for the delay for the rating… I don’t read this email everyday.

Jas Gill

It was nerve wracking but you guys made it possible for us...

Marites Salamanes

Easy, friendly experience. Brad took out the guesswork, respected our priorities, and was an excellent and attentive resource as we navigated buying our first home.

Justin Schneider

Excellent and I look forward to learning how to pay my mortgage off quicker.

Ronald Martin

Helpful service with good follow up to the final closing.

Paul Butterworth

I was delighted and amazed at the care and service I was given as I prepared to buy my first home on my own without a co-signature. It was made very clear to me that if I didn't understand something they would take the time required to explain. Ordinary service gets the job done but this was outstanding and supportive on every level. I recommend Canada's Best Mortgage every chance I get. VW.

Valerie Watterson

Very helpful and polite in helping us get our first mortgage.

Andre Guerard

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.

View About NETTRAKK
Educate Yourself

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.

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The 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.

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Strategies 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.

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Mortgage 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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Calculators

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.

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.

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.