Got Equity in Your Home? You Could Be Sitting on $100K+ of Unused Capital.
A refinance or HELOC can unlock the equity you've already built — at mortgage rates instead of credit card or unsecured loan rates. Used wisely, it's one of the most powerful financial tools Canadian homeowners have.
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- Rates that often beat bank posted rates
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Get Your Refinance Quote
Takes less than 60 seconds. We never share your information.
- No impact on your credit score
- No obligation to proceed
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Why This Form Is Different
What Refinancing Can Unlock
Debt consolidation: If you're carrying credit card balances, lines of credit, or car loans at double-digit rates, rolling them into your mortgage can dramatically reduce your monthly outflow. Potential savings depend on your current rates and balances — we'll model your specific numbers.
Renovations: Fund a kitchen remodel, basement build-out, or addition at mortgage rates instead of paying for a high-interest renovation loan or draining savings.
Investment & opportunity: Some homeowners use a HELOC or refinance to fund a down payment on a rental property, invest in a business, or contribute to a TFSA / RRSP. We'll walk through the trade-offs honestly — including when leveraging your home is the wrong move.
In Canada you can typically refinance up to 80% of your home's appraised value. We'll compare 50+ lenders to find the right structure (refinance, HELOC, second mortgage, or readvanceable) for your situation.
How It Works
- 1
Fill Out Form
Takes 60 seconds — no documents needed yet.
- 2
We Compare Lenders
We shop 50+ lenders to find your best fit.
- 3
Get Your Best Option
Receive your options within one business day.
Common Questions
How much equity can I access?+
In Canada, you can typically borrow up to 80% of your home's appraised value through a refinance or HELOC, minus your existing mortgage balance. So if your home is worth $800,000 and you owe $400,000, you may be able to access up to $240,000 in equity.
Refinance, HELOC, or second mortgage — what's the difference?+
A refinance replaces your existing mortgage with a new one, often at a better rate. A HELOC is a revolving line of credit secured against your home — flexible but variable rate. A second mortgage sits behind your existing mortgage and is usually used when breaking your current term would be too costly. We'll recommend the right structure for your situation.
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