Nettrakk – Canada's Best Mortgage

Introducing NETTRAKK: Your Mortgage Management Tool

At Invis – Canada’s Best Mortgage, we believe that managing your mortgage and understanding your home’s value shouldn’t be complicated. That’s why we’re proud to offer NETTRAKK—a free and exclusive service for CBM clients who have funded their mortgages with us. Designed with simplicity in mind, NETTRAKK keeps you informed and empowered with the insights you need to make the most of your largest asset: your home.

What is NETTRAKK?

NETTRAKK is a user-friendly portal designed to provide homeowners with real-time information about their mortgage and home equity. Many homeowners don’t know their current mortgage balance, property value, or the opportunities their home equity can offer. With NETTRAKK, you’ll have a clear picture of your financial position—all in one convenient platform.

This “set it and forget it” system updates automatically with each market evaluation and mortgage payment, giving you valuable insights tailored to your unique needs.

Key Features of NETTRAKK

As a CBM client, you’ll enjoy free access to NETTRAKK’s advanced tools and features, including:

Real-Time Home Valuations: Stay informed about your property’s current market value.
Up-to-Date Mortgage Details: Access the latest information about your mortgage balance, interest breakdown, and amortization progress.
Net Equity Valuation: Understand your home equity and its potential to build wealth.
Intuitive Calculators: Explore opportunities to save money or grow your wealth with tools like:
- Refinance Calculator: Compare fixed and variable rates, various amortization periods, and debt consolidation options.
- Pre-Payment Calculator: See how extra payments can reduce interest costs and shorten your mortgage term.
- Amortization Insights: Review detailed breakdowns of your current term and full mortgage amortization.

NETTRAKK is designed to make complex calculations simple, providing insights you can act on with confidence.

Benefits of NETTRAKK

NETTRAKK delivers everything you need to stay on top of your mortgage and home value. Here’s how it benefits you:

Informed Decisions: Know your current mortgage balance, property value, and net equity.
Build Wealth: Use intuitive calculators to explore options like pre-payments, refinancing, or accessing equity to purchase a second property.
Convenience: A single platform that updates automatically, saving you time and effort.
Exclusive Access: Unlike standard lender portals, NETTRAKK gives you detailed insights that aren’t available anywhere else.

Who is NETTRAKK For?

NETTRAKK is exclusively for CBM clients who have funded their mortgages with us. It’s perfect for homeowners who want to:

Understand their financial position at a glance.
Explore ways to save money or reduce their mortgage amortization.
Plan for future opportunities, such as accessing equity, consolidating debt, or selling their home.

How Does NETTRAKK Work?

Accessing NETTRAKK is simple. Once your mortgage is funded with CBM, you’ll receive an email to set up your personal portal, where all your data is updated automatically. This intuitive platform requires no maintenance on your end—it’s a true “set it and forget it” solution designed for ease of use.

Why Choose NETTRAKK?

NETTRAKK is more than just a mortgage management tool—it’s a competitive edge that few brokers can offer. Here’s what makes it stand out:

Exclusive to CBM Clients: A unique service not widely available in Canada.
Completely Free: NETTRAKK is provided at no cost to clients who fund their mortgages with CBM.
Innovative Technology: New to the Canadian market, NETTRAKK offers insights far beyond standard lender portals.
Tailored Insights: Tools and features designed specifically for homeowners to maximize their wealth and lifestyle through informed decisions.

What Can NETTRAKK Do for You?

With NETTRAKK, CBM clients enjoy:

Happy Outcomes: Confidence and peace of mind from knowing your financial position.
Smart Savings: Access strategies to save money on interest and reduce your mortgage faster.
Wealth Opportunities: Easily explore options for pre-payments, equity access, refinancing, or selling your home.

Get Started with NETTRAKK Today!

At Invis – Canada’s Best Mortgage, we’re committed to helping you get the most out of your home. NETTRAKK is part of our promise to provide valuable, client-focused tools that make your financial journey easier and more rewarding.

Contact us today to learn more about NETTRAKK and how it can help you save money and build wealth through your homeownership.

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

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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.

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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

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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

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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

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

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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

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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

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

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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

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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.

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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

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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

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Charli Steketee

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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

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Precise clear process with Brad Easy to talk too.
LoriAnn Locken

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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

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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

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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

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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

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Cameron Repas

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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

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

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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

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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

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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

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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

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

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Brad, your service was excellence. You delivered what you promised. Thank you very much.
Martin O’Hara

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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

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Very helpful.We will recommend to our friends and family.
Marie Dela Curz

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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

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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

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

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

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.