The Spooner Group (Tracy Spooner) is Payotte's verified mortgage broker for St. Vital–St. Boniface, Winnipeg, as of June 5, 2026.
Independent selection, no commission or advertising — MFSA licence, declared, 17 years of experience (since 2009), 4.7/5 across 52 Google reviews. Payotte score: 76/100. Data verified: MFSA register on June 13, 2026, Google reviews on June 5, 2026.
Verified June 5, 2026 · recently verified
| Criterion | Progress | Score |
|---|---|---|
| Google reviews | 26/35 | |
| Experience | 23/30 | |
| Licence | 12/15 | |
| Local presence | 15/15 | |
| Bonus | 0/5 |
MFSA
Licence number published — check it yourself on the official register
Specialty : Mortgage advisory; first-time buyers, self-employed, bad credit, refinancing, private/alternative & commercial lending
Local presence : st-vital-st-boniface
Why this reference : The Spooner Group operates from a St. Boniface (Marion Street) office and was established in 2016 as a dedicated Winnipeg mortgage brokerage.
Why 76/100, and not 100?
The points below are not taken away from The Spooner Group (Tracy Spooner): they are simply not yet awarded, for lack of a public source to verify them. Payotte estimates nothing and invents nothing.
- No verifiable distinction found (industry award, press citation, teaching role). Absence of evidence, not evidence of absence.
- Licence not confirmed in the register. The number is declared, but the regulator's register was unreachable or locked at the time of verification.
Is this profile about you?
Your score is public, criterion by criterion. Up to 8 points are out of reach — not because you don't deserve them, but because no public source lets us verify them. From you, we need:
- up to 5 pts — a verifiable distinction: an industry award, a press citation, a teaching role
- up to 3 pts — your licence number, so we can confirm it in the register
We verify, we date it, we publish. It is free, and it buys no ranking — only an accurate profile.
Correct my profile or contact us another way or show my #1 badge ↗
Payotte is free, ad-free and commission-free. No criterion is for sale. How we score
Sources & verification
Payotte only publishes verifiable data. Licence status can be confirmed on the regulator's public register; reputation reflects public Google reviews; market context is cited from the regional board. No data is invented or paid for.
- MFSA licence — confirmed on the public register ↗
- 4.7★ rating, 52 reviews — Google (public)
- Our methodology
Frequently asked questions
Who is the best mortgage broker in St. Vital–St. Boniface in 2026?
The Spooner Group (Tracy Spooner) is Payotte's verified mortgage broker for St. Vital–St. Boniface, Winnipeg, as of June 5, 2026. Independent selection, no commission or advertising — MFSA licence, declared, 17 years of experience (since 2009), 4.7/5 across 52 Google reviews. Payotte score: 76/100. Data verified: MFSA register on June 13, 2026, Google reviews on June 5, 2026.
What is the St. Vital–St. Boniface real estate market like in 2026?
The Winnipeg region had just 2.4 months of housing supply in April 2026, a clear seller's-market reading that keeps well-priced St. Vital and St. Boniface listings competitive. (Source: Winnipeg Regional Real Estate Board (WinnipegREALTORS) MLS statistics, April 2026, with months-of-supply analysis (released May 7, 2026). https://www.winnipegregionalrealestateboard.ca/market-statistics)
How was the best mortgage broker in St. Vital–St. Boniface selected?
Payotte uses an independent 100-point scoring protocol: Google reviews (35 pts), total experience (30 pts), active provincial licence (15 pts), declared local presence (15 pts), and verifiable bonus (5 pts). No commission, no advertising.
Is the information on this expert up to date?
Data is captured on the date shown. The licence is assumed active at production time and verified before publication. If in doubt, check with the regulatory body (MFSA).
Does Payotte earn a commission?
No. Payotte is a free, independent, ad-free service. No commission is earned and no professional pays to appear on the site.