Unlock better rates, consolidate high-interest debt, or tap into your home equity with expert refinancing guidance across Ontario.
Three simple steps to unlock better mortgage terms and achieve your financial goals
Discuss your refinancing goals — whether it's lowering your rate, consolidating debt, or accessing equity. We'll review your current mortgage and financial situation.
We shop 50+ lenders to find the best refinancing option for you. Submit your application with our guidance and get pre-approved quickly.
Complete the refinancing process with our support. Start enjoying lower payments, consolidated debt, or access to your home equity.
Discover the top reasons homeowners choose to refinance and how it can benefit your financial situation
If rates have dropped since you got your mortgage, refinancing can reduce your monthly payments and save thousands over the life of your loan.
Roll credit cards, car loans, and other debts into your mortgage at a much lower rate. Simplify payments and reduce total interest costs.
Tap into your home's equity for renovations, investments, education, or other major expenses. Borrow up to 80% of your home's value.
Lock in a stable fixed rate if you're concerned about rising interest rates. Gain payment predictability and peace of mind.
Extend your amortization to lower monthly payments, or shorten it to pay off your mortgage faster and save on interest.
Update your mortgage after separation, divorce, or when adding a spouse. We'll help you navigate the refinancing process smoothly.
See how much you could save by refinancing your Ontario mortgage
*Estimates based on 25-year amortization. Actual rates and savings may vary.
Understanding the right timing can maximize your refinancing benefits
Know the costs before you refinance to make an informed decision
If you refinance before your mortgage term ends, you'll typically pay a penalty. The amount depends on your mortgage type and lender.
Usually 3 months of interest on your remaining balance.
Example: $300,000 balance at 4% = ~$3,000 penalty
Greater of 3 months interest OR Interest Rate Differential (IRD).
IRD penalties can be significantly higher, especially with big banks
We'll review your current mortgage terms and calculate your exact penalty. In many cases, the long-term savings from refinancing far outweigh the penalty costs. We'll help you determine if refinancing makes financial sense for your situation.
Most refinances complete in 4-6 weeks from start to finish
Initial consultation to discuss your refinancing goals. We review your current mortgage, calculate penalties, and determine the best strategy.
We compare rates and terms from 50+ lenders to find your best option. Submit your application with our guidance.
Lender reviews your application and orders a home appraisal. We work with you to provide any additional documentation needed.
Final approval received. Sign documents with your lawyer and complete the refinancing process. Your new mortgage terms take effect.
Gather these documents to streamline your refinancing application
Note: Don't worry if you don't have everything ready. We'll guide you through the process and help you gather any missing documents.
Choose the rate type that aligns with your financial goals and risk tolerance
Lock in your rate for the entire term. Your payment stays the same regardless of market changes.
1, 2, 3, 4, 5, 7, or 10 years
Your rate fluctuates with the Bank of Canada's prime rate. Historically offers lower rates over time.
3 or 5 years (rate adjusts monthly/quarterly)
We'll analyze current market conditions, rate forecasts, and your personal situation to recommend the best option. Many clients also consider a hybrid approach, splitting their mortgage between fixed and variable rates.
Real experiences from Ontario homeowners who refinanced with us
"Refinancing with their help saved us $450/month by consolidating our debt. The process was smooth and they explained everything clearly."
Sarah M.
Toronto, ON
"We accessed $75,000 in equity for home renovations at a great rate. Much better than a HELOC or personal loan. Highly recommend!"
Michael T.
Ottawa, ON
"They helped us switch from variable to fixed when rates started climbing. Great advice and excellent service throughout."
Jennifer L.
Mississauga, ON
Download helpful guides and tools to make informed refinancing decisions
Complete guide covering when to refinance, costs, and strategies
Calculate your mortgage penalty before refinancing
Compare refinancing vs. other debt consolidation options
Licensed Mortgage Agent in Ontario
Member of Mortgage Professionals Canada
Your Information is Secure & Confidential
Compliant with FSRA Regulations
Licensed to provide refinancing services across Ontario
And many more cities across Ontario
Get a free consultation and discover how much you could save
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