Access your home's equity, lower your rate, or restructure your mortgage to better fit your life today.
Overview
Refinancing replaces your existing mortgage with a new one — usually to take advantage of better rates, access built-up equity, or change your terms. Done at the right time, it can save you money and give you greater financial flexibility.
Common reasons to refinance: consolidating debt, funding renovations, investing in a second property, or getting a better rate.
Key Benefits
Turn the value you've built in your home into usable funds.
If rates have dropped since you got your mortgage, refinancing may save you significantly.
Change your amortization, payment frequency, or lender to match your current goals.
Common Questions
Yes — refinancing before your term ends typically involves a prepayment penalty. We'll calculate whether long-term savings outweigh it before recommending you proceed.
In most cases, you can refinance up to 80% of your home's appraised value minus your remaining mortgage balance.
Typically 4–6 weeks from application to funding, though it can be faster with complete documentation.
Book a free, no-obligation consultation and let's find the right mortgage for your situation.