Mortgage Refinancing

Take advantage of record low interest rates and spread your renovation financing repayment over a long period of time by refinancing your mortgage.

Benefits of Mortgage Refinancing:

  • Borrow up to 80% of your home’s appraised value (less any outstanding mortgage balance)
  • Pay less interest than credit card or personal loan rates
  • Access funds immediately
  • Suitable for large scale renovations


Finance your renovation project at the time of a new purchase by adding the estimated costs to your mortgage with CMHC Mortgage Loan Insurance. You can obtain financing with only 5% down payment for both the purchase of your home and the renovations for up to 95% of the value after renovations!

Benefits of Mortgage Refinancing:

  • Funds advanced for up to 95% of the value after renovations
  • No additional fees or premiums for progress advances
  • Competitive interest rates
  • CMHC issues premium rebates for Energy saving renovations


Use a secured line of credit or home equity loan to pay for your renovation. Securing your renovation loan against the equity in your home can typically be up to 80% of the property value; accessible at any time.

Benefits of Mortgage Refinancing:

  • Lower interest rates than unsecured financing
  • Access funds at any time
  • Interest only payments


Want To Make Bills Disappear?

Make a plan to settle the excess spending that’s racking up interest on your credit cards.
Many Canadians suffer with their highest debt load in the month of January. Save thousands of dollars in interest by creating a pay down plan! Consolidate and restructure your debt into your mortgage so you are paying less interest and paying off debt sooner. Start the New Year on the right foot by saving money and taking advantage of historically low mortgage interest rates.

Look at what you’re paying on your credit cards and other debts. If you roll those high interest debts into a new or existing mortgage, your potential saving can be significant! You can use these savings to ease your monthly cash flow, or apply it to pay your debts down faster! For example, put $500.00 per month of your new cash flow into your mortgage payment and reduce your amortization from 25 to 15 years!

I will assess your situation and determine if there are any penalties to break your current mortgage and evaluate if the savings outweigh the penalties.


Your Future Home Awaits!

Questions? I have answers! I am here to serve all of your mortgage needs. Let’s make your financial future a brighter one with a custom mortgage plan built just for you!