Refinancing your mortgage can be a brilliant way to do just that—especially when interest rates are low. It’s like having your cake and eating it too!
It can also free up cash to make your life a little sweeter.
Whether you're dreaming of a new kitchen, planning a well-deserved vacation, or looking to consolidate debt, I’m here to help you explore your options.
Maybe you’re thinking about reducing your mortgage term, switching from an adjustable-rate to a fixed-rate mortgage, or consolidating your first and second mortgages into one manageable payment. Whatever it is, we’ll tailor a refinancing strategy that fits your needs.
Good news—it’s simpler than you think!
Here’s how we’ll tackle it:
Let’s Talk: First, we’ll have a quick chat (or Zoom call) to go over your goals—whether it's lowering payments, freeing up some cash, or just making life easier. I’m all ears!
Crunching the Numbers: I’ll take a deep dive into your current mortgage, home value, and finances to figure out how much we can unlock and what your new mortgage could look like. Don’t worry, I’ll handle the math!
Lender Shopping: I’ll search through my lender network to find the best rates and terms for you. Think of it like having your own personal mortgage shopper!
Your Call: Once we’ve got the best option lined up, it’s decision time. No pressure—I’m just here to make sure you’ve got all the info you need to make the right choice.
Sign & Celebrate: After you’ve picked your deal, I’ll handle the paperwork (because no one wants more of that). You sign, and voilà! Your new mortgage is set. Time to celebrate—cheers to better cash flow!
FAQ section
You've got questions. I've got answers.
Refinancing involves replacing your existing mortgage with a new one, usually to get a better interest rate, lower monthly payments, or access cash from your home’s equity.
Common costs can include appraisal fees, legal fees, and lender fees. It’s important to understand these costs upfront to assess whether refinancing makes sense for you. I'm here to help break them down and make sure everything makes perfect sense for you.
It depends on your financial goals, current mortgage terms, and market conditions. I can help analyze your situation and determine the best path forward.
Usually if someone is thinking they need to refinance, the question isn't "how do I know if refinancing is right for me", it's "How do I get the best deal when refinancing to access equity in my home and improve my cash flow?".
No. In Canada, our lenders have guidelines that determine the max amount that can be lent out as it compares to the current market value of your home (determined by an appraiser and market data). The lender will not lend you more than 80% of your homes value (this is set to change with new government regulations coming into effect soon though!).
Of course you can! Just because you're self-employed doesn't mean that you cannot get a new mortgage or refinance an existing one. Many big bank lenders don't love using self-employed income because of the up and down nature of small businesses, but that does not mean there aren't lenders out there who will happily help you with your mortgage financing, and I have access to all of them ;)
Yes you absolutely can. This is one of the main reasons people refinance today, to pay off higher interest debts and restructure their debt to improve their cash flow overall.
Yes. When we apply for your refinance, the lender will determine the maximum amount of money it will give you and in turn add to your new mortgage. What you do with this money is your choice. It can be for the purchase of a new vehicle, for home renovation, to pay down higher interest debt, or to send kids to college. It's up to you!
Start your journey
Fill in your name and email for instant access to my 5 minute quick questionnaire. Once I receive your answers, I will be in touch to present your possible mortgage options.