Mortgage Refinancing
Access your home equity, secure better terms, or restructure your finances through refinancing.
Refinancing replaces your current mortgage with a new one, potentially with better terms, a different rate, or access to your accumulated home equity. Whether you want to lower your payments, fund renovations, consolidate high-interest debt, or access cash for investments, refinancing may be a powerful financial tool. I shop across multiple lenders to find options that align with your goals.
Who Is This For?
- Homeowners looking to lower their mortgage rate or payments
- Those wanting to access home equity for renovations or investments
- Borrowers seeking to consolidate high-interest debt
- Homeowners whose financial situation has improved since their original mortgage
Common Goals
- Secure a lower interest rate or better terms
- Access home equity as cash (up to 80% LTV typically)
- Consolidate credit card debt, car loans, or other debts
- Switch from variable to fixed rate (or vice versa)
- Fund home improvements or renovations
How It Works
We discuss your current mortgage details, goals, and what you hope to achieve through refinancing.
I review your property value, existing mortgage, and financial profile to determine your options.
I present refinancing options from multiple lenders, explaining rates, terms, and any associated costs.
Once you choose, I manage the process through to closing with your lawyer and the lender.
Important Considerations
- *Refinancing may involve prepayment penalties on your existing mortgage.
- *Appraisal fees and legal costs may apply.
- *Breaking your current mortgage early should be weighed against the potential savings.
Refinancing is subject to lender approval and property appraisal. Rates and terms subject to change. O.A.C. Prepayment penalties may apply.
Ready to Get Started?
Free consultation, no credit check. I search 65+ lenders and 7,000+ solutions to find your best fit.
Subject to lender approval. O.A.C.
Typical Documents Needed
- Current mortgage statement
- Property tax bill
- Proof of income (pay stubs, T4s, NOA)
- Bank statements
- Government-issued photo ID
- Property insurance details
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Advertising Disclosure: Michael Noble Green, Mortgage Agent Level 1 (Licence #M21002443) at 8Twelve Mortgage Corp. (Brokerage Licence #13390). All mortgage products and services are subject to lender approval. O.A.C. Rates and terms are subject to change without notice. This page is for informational purposes and does not constitute a commitment to lend.