Mortgage Refinancing in Ontario
Lower your rate, consolidate high-interest debt, or unlock your home's equity — often saving hundreds a month.
Refinancing replaces your current mortgage with a new one on better terms. Whether you want a lower rate, to roll credit-card and loan balances into one low monthly payment, or to access equity for renovations or investing, I'll run the numbers across 88+ lenders and show you exactly what you'd save.
What you get
Access up to 80% of your value
Refinance up to 80% of your home's appraised value and put that equity to work.
Consolidate debt
Roll high-interest credit cards and loans into your mortgage — one lower payment, big monthly savings.
Lower your rate
If rates have dropped or your credit has improved, a refinance can cut your interest cost significantly.
Fund what matters
Renovations, a down payment on an investment property, tuition, or a business — your equity, your call.
Simple, from first call to close
We review your current mortgage, rate, and any penalty to break early.
I compare refinance offers across 88+ lenders and calculate your true savings.
You close on the new terms and start keeping more of your money.
Common questions
Is there a penalty to refinance before my term ends?
Usually yes — either three months' interest or an Interest Rate Differential (IRD), depending on your lender and rate type. I always calculate whether the savings outweigh the penalty before you commit.
How much equity can I access?
You can typically refinance up to 80% of your home's appraised value, minus what you still owe.
Will refinancing to consolidate debt actually save me money?
Often substantially. Moving 19%+ credit-card debt into a mortgage in the 4–5% range can cut hundreds off your monthly payments. I'll show you the exact before-and-after.
Other programs
Let's get you approved
Free, no credit check, no obligation. See your best rate in 60 seconds.
