So, who am I?

I’m a licensed mortgage agent who helps Ontario homeowners and homebuyers build clarity and confidence around their mortgage decisions. I didn’t learn financial literacy in a classroom — I learned it through real‑life challenges, trial and error, and a commitment to understanding the financial systems that shape our lives.

That journey showed me how overwhelming mortgages, renewals, refinancing, and money management can feel, especially when you don’t have guidance or feel like you’re starting from behind. Today, I use both my lived experiences and professional training to support people who want to make informed, stress‑free financial decisions.

I’m passionate about empowering those who feel like the underdog, because I’ve been there — and I know what it takes to rise above it. My mission is simple: to help you understand your options, avoid costly mistakes, and take control of your financial future with confidence.

If you’re ready to become mortgage literate, renew or refinance with clarity, or prepare for your next home, you’re in the right place.

Dare Spence

8Twelve Mortgage

Mortgage Agent Level 1

Licence # 25002661

Licence # 13072

Empowering You to Build the Financial Future You Deserve

Through practical workshops and personalized one‑on‑one consultations, I break down complex financial concepts into simple, actionable steps. My mission is to empower you to take charge of your finances and move toward your goals, whether that’s buying your first home, investing in real estate, or building long‑term financial stability.

My blog

I'll let you in on how to successfully prepare for homeownership and share my tips for building and protecting your wealth.

I’ll let you in on the real‑world insights most people never get to hear — and share my top tips to help you understand mortgages with clarity and confidence. From renewals and refinancing to buying your first home and financial literacy, this is where you’ll learn the strategies that truly empower homeowners and homebuyers.