Home / Refinance
Turn your equity into breathing room.
Roll high-interest debt into one lower payment, fund the renovation or invest, with every cost laid out before you decide.
Up to 80%
Of your home’s value
One payment
Instead of many debts
Penalty first
Exact cost before you decide
Maximum refinance
Up to 80% of value
Home equity line
Up to 65% of value
Common uses
Debt, renovations, investing
Check first
Your prepayment penalty
Why refinance
Reasons clients refinance.
Consolidate debt
Replace high-interest cards and loans with one lower mortgage payment.
Renovate
Fund a kitchen, basement suite or major repair at mortgage rates.
Ease cash flow
Extend your amortization or restructure your mortgage to lower payments.
Invest or help family
Use equity for a rental property, a business or a family member’s down payment.
Change your terms
Switch from variable to fixed, or add or remove a borrower.
Set up a HELOC
A revolving line of credit you draw on as needed, paying interest only on what you use.
Before you decide
The numbers have to make sense.
Breaking a mortgage early usually means a penalty: typically three months’ interest on a variable rate, and the greater of three months’ interest or the interest rate differential on a fixed rate.
I get your exact penalty from your lender and compare it with your savings. If refinancing doesn’t come out ahead, I’ll tell you, and we’ll plan for renewal instead.
Your current balance, rate and term
Your lender’s written penalty
A realistic estimate of your home’s value
New payment and total cost compared with staying put
Free tool
How much equity could you access?
The process
Four steps, usually a few weeks.
1
Review
We look at your statement, debts and goals, and I request your penalty.
2
Compare
Refinance, HELOC or staying put, side by side.
3
Approve
The lender orders an appraisal if needed and issues a commitment.
4
Fund
Your lawyer pays out the old mortgage and debts, and the balance comes to you.
Refinance questions
Good questions, plain answers.
Don’t see your question? Ask me directly.
How much equity can I access?
Refinance or HELOC?
Do I need an appraisal?
Can I refinance with bruised credit?
Find out what your equity can do.
Book a free, no-obligation consultation. You’ll leave the call knowing your options and your next step.
Free
No obligation
No credit check to start