Terms of Use
Last updated: June 2026
Acceptance
By using this website, you agree to these terms. If you do not agree, please do not use the site.
Information only
The content on this website is provided for general information purposes only. Nothing on this website constitutes mortgage advice, financial advice, or a commitment to lend. Mortgage rates, qualifying criteria, and product availability change frequently. All information should be verified directly with a licensed mortgage professional before making any decision.
Calculators and estimates
Any mortgage calculators, payment estimates, or affordability tools on this website produce estimates only. They are not quotes, pre-qualifications, or commitments. Results depend on your individual financial situation, the lender, and current market conditions. Do not rely on calculator outputs as financial guidance.
Licensing
Craig Spicer operates under Premiere Mortgage Centre Inc., Lic. #10317 and NS Brokerage Licence #3000075. Mortgage brokerage services are regulated by the Nova Scotia Utility and Review Board.
Accuracy
We make reasonable efforts to keep information on this website current and accurate, but we do not guarantee accuracy. Mortgage rules, tax rates, and regulatory requirements change. Always confirm details with a qualified professional before acting on any information found here.
Third-party links
This website may contain links to external sites. We are not responsible for the content or privacy practices of those sites.
Limitation of liability
To the extent permitted by law, Craig Spicer Mortgages is not liable for any loss or damage arising from your use of this website or reliance on its content.
Governing law
These terms are governed by the laws of the Province of Nova Scotia and the laws of Canada applicable therein.
Contact
Questions about these terms can be directed to mortgage@craigspicer.com.