Established in 2000

Our History

Spectrum-Canada Mortgage Services Inc. was established in 2000 to specialize in the area of non-conventional mortgage lending.

Our expertise is in helping those clients that don’t quite “fit in the box” of standard mortgage qualifying rules.

Also, we partner with select Financial Institutions across Canada to provide their clients with a simple, easy and seamless process to find the right mortgage solution when they don’t quite meet standard lending criteria.

Get in Touch

Our Team

Kent Chan

Kent Chan

Mortgage Advisor

A seasoned veteran of the finance business, Kent takes pride in finding solutions to the most complex and challenging situations.

A big fan of puppies, cupcakes and spending time with his kids (not necessarily in that order), Kent is disappointed that he still can’t tell Pepsi from Coke since his first Pepsi Challenge in 1982.

Licensed in: BC, Alberta, Ontario

Kent.Chan@spectrum-canada.com
604-676-2082

Ryan Hidjaja

Ryan Hidjaja

Mortgage Advisor

Ryan is a seasoned mortgage advisor with over 11 years of experience in alternative mortgage lending. He understands every customer has unique circumstances and mortgage needs. He enjoys working with clients to find creative mortgage solutions that suit their circumstances and mortgage needs.

He has been happily married for 25 years. Loyalty, honesty and commitment are the principles he lives by. These same principles apply when it comes to taking care of his clients.

Ryan enjoys tennis, basketball and model making when he is not working. He is especially passionate about badminton (according to Ryan that is due to his Asian roots) and he is not afraid to break a few bones just to win a game.

Ryan is fluent in English, Mandarin and Bahasa (Indonesia)

Licensed in: BC, Alberta, Ontario

Ryan.Hidjaja@spectrum-canada.com
604-676-2067

Lawrence Kong

Lawrence Kong

Mortgage Advisor

Lawrence has been a licensed Mortgage Advisor since 2008.

He has extensive connections to all-types of lenders across Canada and specializes in deals that banks or credit unions will not approve.

Business-for-self clients, consumer proposals, bankruptcies, and full debt consolidations are some examples of the challenging scenarios that Lawrence gets done on a daily basis.

In his free time he enjoys tennis and spending time with his wife and two kids.

Licensed in: BC, Alberta, Ontario

Lawrence.Kong@spectrum-canada.com
604-909-6260

Arnie Magcalas

Arnie Magcalas

Mortgage Advisor

Arnie joined Spectrum Canada in 2003. He has over 30 years of experience in the mortgage and consumer financial industry specializing in all aspects of Alternative lending and finance.

Arnie has undertaken many roles in his field including Branch Manager, Regional Sales Manager, VP of Sales and Senior Mortgage Advisor.

His passion for building relationships with our Bank and Credit Union Partners, finding solutions for their clients and members, and a strong commitment to Spectrum’s brand identity, have been important parts of Spectrum’s growth and success.

When not working,  Arnie loves the outdoors, watching his son play sports, spending quality time with his family and trying to keep up with his “honey- do  list.”

Licensed in: BC, Alberta, Ontario

Arnie.Magcalas@spectrum-canada.com
604-676-2063

Daniel Martys

Daniel Martys

Mortgage Advisor

Daniel is bilingual, fluent in both English and Polish.

He has specialized in alternative mortgages his entire career and has helped hundreds of clients find creative financing solutions. He derives great satisfaction from knowing that his solutions often don’t just meet clients’ needs but also help improve their lives.

He was the runner-up in the 2020 Netflix half-marathon and is yet to meet a dog he doesn’t get along with.

Licensed in: BC, Alberta, Ontario, New Brunswick

Daniel.Martys@spectrum-canada.com
604-676-2055

Jeff Pross

Jeff Pross

Mortgage Advisor

With over 8 years at Spectrum and 20 years in the financial services industry, including roles at major banks, Jeff is a seasoned veteran at finding the right mortgage solution.

When he’s not working on complex deals or next-to-impossible scenarios, Jeff is either on the golf course or spending quality time with his wife and daughter.

Licensed in: BC, Alberta, Ontario

Jeff.Pross@spectrum-canada.com
604-676-2083

Tom Scott

Tom Scott

Mortgage Advisor

Tom enjoys finding solutions to mortgage problems that enable people to care for themselves and their families.

With over 20 years in the business, Tom has your interests at heart and will use his knowledge and experience to answer all your questions and provide the best mortgage solution possible.

Licensed in: BC, Alberta, Ontario

Tom.Scott@spectrum-canada.com
604-676-2071

Stephanie Shiu

Stephanie Shiu

Mortgage Advisor

Stephanie is a senior mortgage advisor and has been with Spectrum since 2014.

With a Diploma in Urban Land Economics from the University of British Columbia and over 14 years of experience in the Real Estate Industry, she has the knowledge and skills to help clients find the best mortgage solutions that fit their unique needs.

Stephanie loves helping people and likes to volunteer in her spare time.

On the weekends you’ll find her enjoying the great outdoors with her Border Collie, Huey.

Licensed in: BC, Alberta, Ontario, Manitoba

Stephanie.Shiu@spectrum-canada.com
604-676-2057

Peggy Wong

Peggy Wong

Mortgage Advisor

With nearly 2 decades in the finance industry, Peggy is a solutions specialist with conventional and unconventional solutions for your particular type of financing.

She is able to assist across Canada (except Quebec) and loves helping clients get proper financial advice.
 
In addition to her many talents, Peggy is also fluent in French and Cantonese.

Licensed in: BC, Alberta, Ontario, Manitoba

Peggy.Wong@spectrum-canada.com
604-909-6262

David Yu

David Yu

Mortgage Advisor

David has been in the mortgage industry for over 20 years.

With ever changing policies and regulations David’s experience and frequent communication with lenders allows him to continue to deliver the best mortgage solutions for his clients.

Born and raised in Hong Kong, David is fluent in both English and Cantonese.

When not at work David pursues his love of cooking and traveling.

“Life sometimes throws a curveball at you and me. I specialize in debt consolidation and helping people get back on their feet.”

Licensed in: BC, Alberta, Ontario

David.Yu@spectrum-canada.com
604-676-2066

Margaret Holt

Mortgage Associate

In the mortgage industry for over 30 years, Margaret has been with Spectrum for 12 years working closely with the Mortgage Advisors to meet the needs of clients and referral sources.

Margaret and her family moved to Canada from England when she was 10 years old and have lived in the Lower Mainland ever since.
 
After some time in the Canadian Armed Forces, she chose the banking/mortgage industry and hasn’t looked back.
 
Outside of work Margaret is an avid traveler and enjoys spending time with friends.

Margaret.Holt@spectrum-canada.com

Geri Smith

Geri Smith

Mortgage Associate

A Mortgage Associate for over 3 years with Spectrum, Geri works with the Mortgage Advisors to provide the very best customer experience to our referral sources and clients.

Born and raised on the beautiful Sunshine Coast, Geri enjoys being outdoors as much as possible whether it’s biking, hiking or walking along the seawalls of Vancouver. 

Good food and spending time with family is on the top of her list.

Geri.Smith@spectrum-canada.com

Sonya Fong

Sonya Fong

Senior Mortgage Servicing Associate

Sonya has been a Mortgage Administrator at Spectrum since 2012, and has over 20 years experience in the mortgage servicing business, including various roles at major banks.

Sonya’s role in our Lending Services division includes facets of mortgage instructing, funding and administration, and she regularly works with a wide variety of lawyers, investors and clients.

Sonya.Fong@spectrum-canada.com
1-877-253-4377 (Ext. 2074) Toll-Free

Sheila Lee

Sheila Lei

Accounting Manager

Sheila leads our Accounting Department and has been with Spectrum for just over one year.

During the past ten years, she has gained financial accounting experiences across a wide range of industries, such as logistics, transportation, hospitality, and manufacturing.

Sheila is a CPA, CGA and makes sure everything behind the scenes is operating correctly.

When not crunching numbers, you can find Sheila hiking with family and friends, trying new traditional Chinese cuisine or keeping up on current events.

Sheila.Lei@spectrum-canada.com

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Michael Marti

CEO

Michael is a CPA, CA with over 30 years of experience as a CFO, COO and CEO of public and private companies. He joined Spectrum in early 2016 as its CFO and became its CEO in December 2018. He is focused on ensuring that Spectrum consistently delivers a high level of professional and timely service to all its external stakeholders: borrowers, lenders and referral partners. Michael believes that by having national brokerage, lending and administration services all under one roof, Spectrum is well positioned to meet the needs of a most borrowers ranging from those with the strongest credit to those who have unique and very challenging situations.

Michael and his wife enjoy spending time with their children and two sets of twin grandchildren. He also likes to spend time in his garden, read about all manner of subjects and drink an eclectic array of wines.

Michael.Marti@spectrum-canada.com

Veronica Eldridge

Administration Manager

Veronica has been with Spectrum since 2014 and in the mortgage industry for over 20 years, including roles with local credit unions.

As the Administration Manager and Chief Compliance Officer, Veronica oversees the day to day operations at Spectrum, keeps everything running smoothly, and ensures that Spectrum provides the best customer experience possible.

When Veronica is not working she likes to hike with her dog Charlie and spend time with her spouse.

Veronica.Eldridge@spectrum-canada.com

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James Pell

Credit Risk Manager

James has over 25 years experience in the Canadian mortgage industry, and as Credit Risk Manager for Spectrum his primary responsibility is the day to day management of the underwriting and loan management operation where he reviews and approves all mortgages underwritten through the company’s lending division.

He previously held management positions within the mortgage lending industry at companies including Home Trust, Citizens Bank and Peoples Trust. James also spent time as a Financial Planner with CIBC Wealth Management where he worked to get his FMA and CFP accreditation.

James is boring at parties but he loves working on deals with brokers and putting them together to help clients get what they need and also to make sure we have quality loans for investors with good returns.

James.Pell@spectrum-canada.com

Lloyd Pritchard

Lloyd Pritchard

Director of Business Development

With 20+ years in the Mortgage Broker industry, which includes roles at major banks and monoline lenders, Lloyd brings considerable knowledge and experience to the team at Spectrum.
 
As Director, Business Development, Lloyd is the main point of contact for Spectrum’s referral partners.

When not at work, you’ll find him on a golf course, at a hockey rink, or at a baseball diamond, usually being humbled by trying to keep up with his son.

Lloyd.Pritchard@spectrum-canada.com

Home Mortgage

Our Goal is Simple:

Help every client obtain the right mortgage solution for their needs, no matter what the circumstances.

Mortgage Solutions

Here to Help

In today’s market, qualifying for a mortgage is challenging. With rule changes and complex lending guidelines, it can be a daunting task to navigate towards the right mortgage.

Whether purchasing or refinancing, our team of Mortgage Advisors work with clients to identify their goals, and find the mortgage solution that best fits them.

Request a Callback

Request a callback from one of our experienced team members. We will get back to you as soon as possible.

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