Spring Mortgages Review 2026Apply Now Check if I Qualify ↓
Written and analysed by Smarter Loans Editorial Team · Reviewed by Vlad Sherbatov
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Four questions checked against Spring Mortgages's published criteria, per product. No application started.
At Spring Mortgages the property speaks for the borrower. Equity lending only, in Alberta, British Columbia and Ontario.
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Spring Mortgages is a home equity lending solution from Spring Financial that allows Canadian homeowners to borrow against the value of their property. It is designed as a flexible alternative to traditional bank mortgages.
You can borrow up to 80% of your home’s value, depending on your available equity and existing mortgage balance.
Funds can be used for a variety of purposes, including debt consolidation, home improvements, major expenses and financial restructuring.
Spring Mortgages is designed for homeowners who have equity in their property. It may be a good option for borrowers who don’t qualify with traditional banks or are looking for a more flexible approval process.
The application is quick and completed online. Spring Financial emphasizes a fast, streamlined process with rapid responses after submitting your information.
Yes, the entire process starts online with a simple application form, making it convenient to apply from anywhere.
No, Spring Mortgages is positioned as an alternative lending solution, meaning it may be accessible to borrowers with a wider range of credit profiles compared to traditional lenders.
No, it is an alternative mortgage solution focused on flexibility, speed, and access to home equity rather than offering standard bank mortgage products.
