Refinancing means replacing your current mortgage with a new one often with better terms & conditions

The ideal time to refinance depends on your specific needs and circumstances. In some cases, it may be worth waiting until your mortgage comes up for renewal, as this allows you to avoid prepayment penalties typically charged when breaking a term early.

However, you can refinance at any time if the advantages—such as accessing additional funds or securing better options—outweigh the costs of ending your current contract.

In certain situations, your lender might offer a mid-term refinancing option known as a blend-and-extend. This can allow you to maintain a lower interest rate while adjusting your mortgage terms, although additional fees may apply.

Is Now the Right Time to Refinance?

• Are you thinking about buying a rental or income property and need extra funds for the down payment?

• Are you juggling multiple debt payments each month or only managing to make the minimum payments?

• Are your current creditors charging higher interest rates than today’s available mortgage rates?

• Do you wish you had more available cash to invest in stocks, bonds, or other financial opportunities?

If you said “yes” to any of the above, We are here to help by providing unbiased advice to find the right refinancing solution. Let us save you time, money, and unnecessary stress.

Need a more tailored approach? We have lenders more flexible than traditional banks and we can look at your overall financial picture to create mortgage solutions that work for you.

Ask yourself the following questions:

Ready to take

the next step?

Ready to take the next step towards your dream home?