Why now
Rates are moving. Your mortgage shouldn't be standing still.
The market has shifted. Homeowners who locked in higher rates a few years ago are now leaving real money on the table every month.
Lower your monthly payment
Even a half-point rate drop can save hundreds of dollars a month. Over a 5-year term, that's real money back in your pocket.
Tap into your home equity
Your home has likely gained value. Refinancing lets you access that equity — for a renovation, an investment, tuition, whatever matters to you.
Simplify your debt
Roll high-interest credit cards and lines of credit into one low mortgage payment. One number, much easier to manage.
Current rates
What borrowers are getting right now
We compare across banks, credit unions, and alternative lenders to find you the best fit — not just the lowest headline rate.
Fixed 5-year
4.09%
starting from
Variable
3.60%
starting from
HELOC
Prime+
flexible options
Rates subject to qualification. Your actual rate depends on credit, property, and lender — we'll find the best one for your situation.
Compare the payment
See exactly what refinancing saves you
Enter your current mortgage details and a new rate — see your monthly savings instantly.
Current payment
$3,064
5.54% · 25-yr amort
New payment
$2,627
3.99% · 25-yr amort
Your potential savings
$436
Per month
$5,235
Per year
$26,173
5-year term
Uses Canadian mortgage convention (nominal annual rate compounded semi-annually). For illustration only — your actual rate depends on your credit, property, and lender.
How it works
Simple from start to finish
We handle the complexity. You make the decisions.
Apply in minutes
Start online — no paperwork upfront, no commitment. Just tell us about your situation and what you're hoping to achieve.
We do the shopping
Your broker compares lenders simultaneously — banks, credit unions, and alternative lenders, all in one pass.
Get a clear answer fast
We present your best options with honest numbers — including a break-even analysis if you're weighing a prepayment penalty.
Close and move on
We handle the paperwork end to end. Most refinances close within 2–4 weeks. You just enjoy the lower payment.
Tricky situations
Your situation isn't unique. We've seen it.
We work with lenders who go beyond the standard checklist. Here's what we deal with every week.
High debt load
Consolidate everything into one manageable payment.
Self-employed income
Alternative doc lenders who understand how you actually earn.
Credit challenges
We have lenders for bruised credit — not just perfect scores.
CRA arrears
Can often be included directly in your refinance at closing.
Prepayment penalties
We run a break-even analysis so you know if breaking makes sense.
Appraisal concerns
Pre-review and market analysis before anything is submitted.
Common questions
Things people always ask
It depends on your current rate, your balance, and what lenders are offering today. Even a 0.5% reduction on a $500K mortgage saves roughly $150/month. We'll show you exact numbers based on your situation — no guessing.
Not necessarily. We work with lenders across the credit spectrum — prime, near-prime, and alternative. Your credit score matters, but it's not the only factor. Equity in your home can open a lot of doors.
Totally workable. We have lenders who use stated income, bank statement programs, or alternative documentation. Being self-employed doesn't disqualify you — it just means a different set of lenders.
Yes, in many cases. CRA debt can be paid out at closing as part of the refinance. This is one of the more common scenarios we handle — and it's often a huge relief for homeowners who owe back taxes.
Breaking your mortgage early usually costs something. We run a break-even analysis upfront so you know exactly when you'd come out ahead — and whether it's worth it given your goals and timeline.
Most refinances close in 2–4 weeks from application. We can move faster when there's urgency. The biggest variable is usually getting the appraisal scheduled — we help coordinate that too.
Ready to see your numbers?
No obligation. No paperwork upfront. Just a clear picture of what's possible — from a broker who actually shops the market for you.