Specializing in mortgage refinancing

We help secure excellent mortgage refinancing rates by understanding the factors behind the decision and those affecting the market. Our services can help you calculate prepayment penalties, explore your options and decide if refinancing is the right approach for your situation.

Access extra funds for renovations or investment purposes

Up to 80% of your home’s value can be accessed by refinancing your mortgage, making it a great option for funding renovations, investments or other large expenses.

Lock in at a lower rate for a longer term and save money

Mortgage refinancing can be a great way to lower your interest rate, which can lead to huge savings over time. With a longer term, the amount you save only increases.

Pay off your mortgage faster or lower your monthly rates

Refinancing can be a great way to help you pay off your mortgage faster, renegotiate your monthly rates or lower your amortization while maintaining roughly equivalent payments.

Are you eligible for mortgage refinancing?

Loan Purpose

Plan to justify your decision with reasons like asset enhancement, debt consolidation, combining mortgages or renovations.

Eligible Property

Your property must be either owner-occupied with a maximum of four units or a second home/investment property with a two-unit maximum.

Debt Ratio

Your loan-to-value (LTV) ratio must be a maximum of 80% of the total value of your home.


This option is available for extended amortizations up to 30 years, depending on the lender.

Start the pre-qualification process today!

Are there downsides to refinancing?


Refinancing can involve shopping around for better deals and involves a fair amount of calculations to determine whether or not it’s worthwhile. We can assist with both activities to ensure you make the right choice.


Cancelling a mortgage before the term is complete can lead to expensive and complicated fees. We’ll help you determine the benefits and drawbacks of the decision beforehand.


Potentially working with a new lender or having to wait for your equity can both be significant hurdles, but we’ll help expedite the process as much as possible if it's in your best interest.

What are your options?
Blend and Extend Your Current Mortgage

A mortgage renewal is a great way to extend your mortgage while also negotiating for a lower rate. Plus, you aren’t as likely to pay high penalty fees.

Home Equity Line of Credit

With a home equity line of credit, you can take advantage of the equity you’ve established in your home to finance renovations, schooling and more.

We’ll help you make the right decision

Mortgage refinancing can be cost-effective, even if there are high prepayment penalties. Still, it’s important to feel confident in this decision before you do it, which is where the help of a mortgage broker can be invaluable. We’ll help you explore your options.

Frequently asked questions

Most individuals who refinance their mortgage are either planning to lower their existing mortgage rate or access the equity they’ve accrued on their home. 

The time remaining on your term, the type of mortgage you have and your mortgage provider can all affect the penalty fees you may incur. However, all relevant factors will be laid out in your mortgage contract.

For most traditional mortgages, the cost is nothing to the client. The lending institution pays a referral fee to the brokerage once the transaction is complete.

Yes, you can access up to 80% of the property value to payout high interest debt and restructure your existing mortgage. This option can save you thousands in interest.

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