Refinancing
Unlock your property's equity to consolidate debt, fund renovations, or invest. We structure the optimal strategy to minimize cost and maximize long-term benefit.
Prefer to call? (514) 895-4228
Who This Is For
Homeowners with Equity
Your property has appreciated and you want to access that value
Debt Consolidators
Combine high-interest debts into one low-rate mortgage payment
Renovation Planners
Fund improvements that increase your property's value
How It Works
Equity Assessment
We evaluate your current mortgage balance against your property's market value to determine available equity and optimal refinance amount.
Strategy Design
We model multiple scenarios: debt consolidation, lump-sum cash, or blended structures. You see the full cost and monthly impact of each.
Lender Negotiation
We leverage our lender network to secure the best refinance terms, including rate holds and prepayment flexibility that match your goals.
Discharge & Register
We coordinate the discharge of your existing mortgage and register the new one, ensuring no gaps in title or coverage.
What You Get
Lower Monthly Costs
Consolidate debts into one low mortgage rate
Cash Access
Unlock equity for renovations or investments
Rate Optimization
Restructure at today's best available rates
Flexible Terms
Choose amortization and prepayment options that fit
Common Questions
For most refinances, you can borrow up to 80% of your property's appraised value minus your current mortgage balance. So if your home is worth $600,000 and you owe $300,000, you could potentially access up to $180,000 in equity.
It depends on your goal. If consolidating debt, your total monthly outflow typically drops significantly. If pulling cash for renovations, your mortgage payment may increase — but we model everything upfront so there are no surprises.
Possibly. Fixed-rate mortgages usually have an Interest Rate Differential (IRD) or three months interest penalty. Variable-rate mortgages typically have three months interest only. We always calculate the penalty into the overall cost analysis to ensure refinancing makes financial sense.
Yes. Many clients refinance to fund rental property down payments, stock portfolios, or business investments. The interest on the portion used for investment purposes may be tax-deductible. We recommend consulting your accountant, and we can structure the mortgage to maximize deductibility.
“We used Mortgage Solution for refinancing to renovate our home. The process was incredibly efficient, and Gabriel found us terms that saved us thousands over the life of our mortgage. Truly exceptional service.”
David & Sarah
Owners in Montreal
Ready to Get Started?
Book a free 20-minute consultation. We'll review your situation and outline the best path forward — no obligation, no pressure.
Prefer to call? (514) 895-4228