Thinking of Refinancing? Let’s Make It Work for You.

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Refinancing means replacing your current mortgage with a new one—whether to lower your rate, access equity, or restructure your loan. It can be done with your current lender or a new one, depending on what makes the most sense for you.

You can refinance any time if the benefits outweigh the costs (like pre-payment penalties). Or, you can wait until your renewal for a smoother switch. Some lenders also offer a “blend-and-extend” option mid-term, helping you adjust your rate without fully breaking your mortgage.

So, why refinance?
You might want to:

• Tap into your home’s equity (up to 80%) for renovations, investments, or other big goals
   
• Consolidate high-interest debt into one manageable payment
   
• Extend your amortization to reduce monthly payments
   
• Switch to a more flexible mortgage product
   
• Add or remove someone from your mortgage
   

Things to keep in mind:

• You’ll likely need to requalify under the mortgage stress test
   
• Fees may apply: legal, appraisal, registration, and pre-payment penalties
   
• A higher rate might apply if you’re moving from an insured to an uninsured product
   

Still, many clients find the long-term savings and flexibility are well worth it. And we’ll walk you through every step.

How it works:
Refinancing typically takes 3–4 weeks. You’ll need to provide updated financial info, and we’ll handle the rest—guiding you through documents, numbers, and options with zero stress.

Is refinancing right for you?
If you're looking to lower your payments, access equity, invest, or consolidate debt, let’s talk. We’ll help you make the numbers work in your favour—with clarity, care, and custom advice.