Online renewal + refinance specialist · est. 2020 · Toronto
7.6/10
★ GOOD FOR RENEWAL SWITCHES
We tested Spin for a renewal switch from TD to a monoline. Quote landed at 4.69% — 0.10% over Nesto's 4.59%. UI was clean, intake was fast, but the rate gap meant we went with Nesto instead. TL;DR: a reasonable second-stop quote if Nesto somehow declines you — not a default first choice.
★ THE SCORECARD ★
How we arrived at 7.6/10
Rates8.0/10
Competitive on A-credit insured deals. Typically 0.05-0.10% behind Nesto/Butler.
Tech / UX8.2/10
Clean modern intake. Less polished than Pine, less branded than Nesto.
Customer service7.5/10
Responsive but transactional. No dedicated advisor model.
Lender network7.0/10
30+ A-lenders. No B-lender or private at scale.
Eligibility7.0/10
Wants clean A-credit. Self-employed and post-bankruptcy declined.
★ FREQUENTLY ASKED ★
Quick answers
7.6/10
FINAL VERDICT
Solid second-stop for renewal switches — not a default first choice.
Spin has a clean UI and works for textbook renewals, but Nesto and Butler beat them on rate. Use Spin if you want a sanity-check quote alongside a Nesto application. Don't use them as your primary broker.