Mortgage
Refinancing

Unlock the potential of your home’s equity.

a contractor points out a feature of the home

Why Refinance Your Mortgage?

Refinancing is an opportunity to restructure your mortgage, access your home’s equity, and secure more favourable terms. Whether you’re looking to lower your monthly payments, consolidate debt, or fund a major purchase, refinancing gives you the flexibility to make your home equity work for you.

Refinance Today

Benefits of Refinancing

Refinancing can help alleviate your financial stress, or create space for a dream project or two!

  • Access Home Equity: Unlock funds for renovations, investments, or large purchases.
  • Lower Interest Rates: Reduce your monthly payments and pay down your mortgage faster.
  • Change Mortgage Terms: Switch between fixed and variable rates based on current market conditions, or increase or shorten your amortization.
  • Consolidate Debt: Combine high-interest debts into one manageable monthly payment

Other mortgage financing options include mortgage renewals, reverse mortgages, and first time mortgages.

Find out if refinancing is right for you!

Let's Connect

The Potential In Your Home

You can save money by accessing the equity you already have. Especially with skyrocketing house values in Calgary and the Lower Mainland.

When Refinancing Can Help

Find out how refinancing can help by talking to Jason today.

Renovations

Upgrading your home can increase property value and add personal comfort. With refinancing, you can fund renovations that may not be feasible through other loans.

Consolidate Debt

Simplify your payments by consolidating high-interest debt, like credit cards, credit lines, vehicle loans, or student loans, into one monthly mortgage payment to pay off debt faster and avoid multiple interest rates.

Making an Investment

Use home equity to fund education or other investments without relying on personal or student loans, making it easier to focus on goals without financial strain.

Converting Mortgage Type

Adjust your mortgage terms to match your current financial goals. For instance, switch from a fixed-rate to a variable-rate mortgage or vice versa to optimize interest savings based on market conditions.

How a Mortgage Broker Can Help

Refinancing may sound simple, but it involves complex decisions and paperwork. We will help you:

  • Understand Requirements: Navigate credit checks, appraisals, and document preparation.
  • Prepare Your Application: Optimize your financial profile to increase lender interest.
  • Ensure Accurate Valuations: Get an unbiased assessment of your property’s value to avoid potential surprises

Due diligence matters when making big financial changes. With Jason’s expert guidance, you can secure the best refinancing terms while meeting all necessary lender requirements.

Ready to go? Let’s connect.

Jason Humeniuk

The Mortgage Broker You Need

Refinancing follows a similar process to your initial mortgage but with a few key considerations:

  • Property Appraisal: Determine current market value and accessible equity.
  • Financial Profile: Credit checks, income verification, and financial overview.
  • Lender Selection: Work with a broker to identify the best terms and conditions.
  • Sign New Contract: Once approved, finalize your refinancing terms and start saving.

Each lender has different mortgage criteria. Whether you are looking to refinance in Surrey, Vancouver & the Lower Mainland, Alberta, or Calgary, Jason is here to ensure you make the most of your home’s equity.

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Ready to Refinance?

If you’re thinking about refinancing, start with a consultation. Together, we’ll review your financial goals, assess market conditions, and ensure you’re set up for success with a new mortgage plan that works for you.

Let’s Connect

If you are interested in refinancing or need to know more about your options, Jason is here to help. Reach out using the form below, or better yet, call Jason now.

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