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647-901-8213Refinance
Is It Time for a Mortgage Refinance? Let’s Explore Your Best Options — with the Best Rates.
Refinancing can be a smart move, depending on your goals. Whether you’re looking to unlock your home’s equity, consolidate debt at a better rate, or adjust your amortization period, we’ll help you determine if refinancing is the right solution for you—and ensure you get the best deal possible.
Life Happens—Debt Doesn’t Have to Hold You Back – Carrying debt, especially high-interest credit card debt, can quickly become a financial burden. If you’re juggling multiple debts from credit cards, car loans, or personal loans, there’s a solution that can simplify things—and save you money.
By consolidating your debt into your mortgage, you can take advantage of much lower interest rates and extend your repayment period. This strategy helps reduce your monthly payments, relieves you from the high-interest weight, and gives you a better chance at regaining financial control.
Did You Know?
Refinancing your mortgage typically means accessing an uninsured (conventional) loan, which lets you borrow up to 80% of your home’s equity (with a loan-to-value ratio of 80% or lower).
Starting January 15, 2025, homeowners looking to build a secondary suite will be eligible for an insured refinance, allowing them to access up to 90% of their home’s improved value (capped at a $2M home value) to fund the construction.”
Is It Time for You to Refinance?
Ask Yourself:
- Are you looking to buy a rental property and need extra cash for the down payment?
- Struggling with multiple debt payments or only making minimum payments each month?
- Want to share mortgage responsibilities with family or close friends?
- Paying higher interest rates than current mortgage rates?
- Hoping for more funds to invest in stocks, bonds, or other financial opportunities?
If you answered yes, we are here to assist you with expert, unbiased advice. We’ll help you find the best solution that saves you money, time, and stress.
Got more complex mortgage needs? We offer greater flexibility than the big banks and can help you design targeted, short-term solutions based on your unique financial picture.
