Mortgage Refinancing in Ontario Made Easy!
We unlock equity for renovations, debt consolidation or investment and negotiate new terms that fit your goals, not the bank’s.
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Why Homeowners Refinance With Our Ontario Mortgage Team
Whether you are rolling high‑interest credit cards into one low payment in Barrie, borrowing for a Windsor duplex renovation or switching out of a restrictive GTA lender, our refinance plans trim interest and free cash flow.
Our trusted mortgage team will compare prime and alternative options, outline penalties in plain language and handle every form so closing day is as stress‑free as possible.
FAQs for Mortgage Refinancing in Ontario
How much equity can I access when I refinance?
In Canada you can borrow up to 80 percent of your home’s appraised value. We order local appraisals—think Burlington waterfront condos or Barrie south‑end splits—to confirm your maximum equity before you commit.
Will I pay a penalty to break my current mortgage?
Possibly. Fixed‑rate penalties can be higher than variable. We crunch the numbers to ensure Windsor borrowers, for example, save more in interest than the cost to exit early.
Can I combine debt consolidation and a renovation loan?
Yes, many GTA clients roll credit cards into the new mortgage and add funds for a kitchen upgrade in one shot. We structure the advance so your payment still fits your budget.
Do I need to requalify under the mortgage stress test?
If you add money to your mortgage or switch lenders, yes, a new stress‑test calculation applies. Our team helps Burlington homeowners gather updated income and keeps the process painless.
How long does the refinance process take?
Most refinances close in two to three weeks once we have documents and an appraisal. Electronic signing means you can complete everything from your couch in Barrie or a cafe in Windsor.
Please note: it's always best to get in touch with our team to make sure each specific question you might have we can answer to you directly to ensure 100 percent accurate information.
