Refinance Your Keswick Home with Confidence
Lower payments, fast equity access, and friendly local advice, let’s reboot your mortgage together.
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Why Keswick Homeowners Refinance With Our Team
Our team of mortgage professionals live and work around Lake Simcoe, so we know the local market inside out.
Whether you’d like to shrink your monthly payment, tap built-up equity for a cottage reno, or swap a restrictive big-bank mortgage for flexible terms, our experienced mortgage team guides you every step of the way, from rate-shopping to closing with your Keswick lawyer.
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FAQs for Mortgage Refinancing in Keswick, Ontario
How can refinancing my Keswick home lower my monthly payment?
By negotiating a new rate and term, we can often replace your existing mortgage with one that carries a lower interest cost. Many of our Lake Simcoe clients have shaved hundreds off each payment while keeping their amortization on track.
Will we need to break our current mortgage to refinance in Ontario?
In most cases, yes—the old mortgage is paid out and replaced with a new one at closing. We’ll walk you through any pre-payment penalties and weigh them against the savings of the new deal, so you can decide with confidence.
Can we roll high-interest debt into a refinance?
Absolutely—consolidating credit-card or car-loan balances into a low-rate mortgage is one of the most popular reasons Keswick families refinance. It frees up cash flow and simplifies life with a single, predictable payment.
How long does a refinance approval take around Georgina?
With complete documents, most lenders give us a firm approval in 3–5 business days, and we typically fund within three weeks. Our relationships with local appraisers and lawyers keep things moving quickly.
What costs should we budget for when refinancing in Keswick?
Expect an appraisal (≈ $450), legal fees (≈ $900), and perhaps a discharge or penalty from your current lender. We outline every expense upfront so there are no surprises on funding day.
