Refinance Solutions

Put Your Home Equity to Work

Your home has been building value. Refinancing lets you access up to 80% of that value — for renovations, consolidating debt, or your next investment. We run the numbers so you know exactly whether it's worth it.

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The Basics

Access up to 80% of Your Home's Value

A refinance replaces your current mortgage with a new, larger one — and the difference comes to you as cash. Lenders allow up to 80% loan-to-value (LTV). Example: a $1,000,000 home with a $450,000 mortgage could unlock up to $350,000 in equity.

Renovations

Fund a kitchen remodel, a basement suite, or an addition. Renovations financed at mortgage rates cost far less than credit lines or contractor financing — and a basement suite can add rental income that helps you qualify for more.

Debt Consolidation

Roll credit cards, car loans, and lines of credit into one payment at a much lower rate. Clients consolidating $50K+ of high-interest debt often free up over $1,000 per month in cash flow — and protect their credit score along the way.

Investments

Use equity as the down payment on a rental property, fund your business, or invest. Borrowing against your home is often the cheapest capital available to you — and interest on funds used for investment may be tax-deductible.

Know Your Options

Refinance or HELOC?

Both let you tap your equity — they just work differently. Here is what each means for you. Many clients end up with a combination of both.

Up to 80% LTV

Refinance

One lump sum at a fixed or variable mortgage rate

Lower rate than a HELOC — best for large, one-time needs

Predictable payment that pays down principal

Resets your mortgage term — best done at renewal or with a clear plan

Up to 65% LTV

HELOC (Home Equity Line of Credit)

Revolving credit — borrow, repay, and borrow again as needed

Interest-only minimum payments, only on what you use

Higher rate than a mortgage (typically prime + 0.5% or more)

Best for ongoing or uncertain costs, like staged renovations

Before You Break

What About the Penalty?

Breaking your current mortgage before the term ends usually triggers a prepayment penalty. That is not automatically a deal-breaker — but it has to be part of the math. We calculate your penalty and show you the true net savings before you commit to anything.

Variable-rate mortgages: typically 3 months’ interest

Fixed-rate mortgages: the greater of 3 months’ interest or the IRD (Interest Rate Differential)

Big-bank IRD penalties can be much larger than monoline lenders’ — the calculation method matters

Timing near your renewal date can reduce or eliminate the penalty

Sometimes the penalty can be rolled into the new mortgage

The Honest Answer

Sometimes refinancing saves you tens of thousands. Sometimes the penalty eats the benefit and the right answer is to wait for renewal. We will tell you which one it is — with the actual numbers, not a sales pitch.

Bring us your current mortgage statement and we will run the full comparison: penalty, new rate, monthly payment, and total cost over the term. It takes one conversation, and it is free.

See What Your Equity Can Do

Free refinance analysis — your penalty, your savings, your options across 30+ lenders. No obligation.

Get Started Call (778) 834-9618