For All Your Mortgage Refinancing Needs
Expert mortgage advice when you need it the most
We specialize in helping people across Milton, Burlington, the GTA and across Ontario when it comes to refinancing their home for… Debt Consolidation, Home Renovations, Rental Properties, Vacation Homes and more.
Refinance your Milton, Burlington, GTA or surrounding area home to get access to the cash you need!
Need access to funds?
- Home renovations and upgrades
- Purchase a Rental or Vacation property
- Asset enhancement (funds to diversify or add other investments)
- Debt consolidation, such as credit cards, car loans and/or a line of credit
- Combine first and second mortgages, for the ease of one mortgage payment
Refinance to pay off debt
- Lower Interest Rates: One of the primary advantages of mortgage refinance is securing a lower interest rate compared to high-interest credit cards or HELOCs. This alone can significantly reduce the overall cost of your debt.
- Extended Amortization: Refinancing allows you to extend your mortgage term to 30 years, spreading out your debt payments and making them more manageable.
- Lower Monthly Payments: With the lower interest rate and extended amortization, your monthly mortgage payments will decrease, giving you much-needed breathing room in your budget.
- Consolidation Benefits: Mortgage refinance consolidates all your high-interest debts into a single, more manageable payment. No more juggling multiple creditors, due dates, and interest rates.
- Stop Credit Collection Calls: Once your debts are consolidated, those relentless collection calls will become a thing of the past, reducing stress, and improving your quality of life.
- Boost Your Credit Score: Consistently making on-time mortgage payments can have a positive impact on your credit bureau rating, helping you regain financial credibility.
- Invest Wisely: Use the cash flow freed up by lower monthly payments to invest in high-return stocks, RRSPs, GICs, and TFSAs. Grow your wealth while managing your debts.
- Insurance for Loved Ones: With improved financial stability, consider using your cash flow to purchase insurance to safeguard the future of your loved ones. Ensure they are financially protected in case of unexpected events.
Items we need from you when it comes to the Mortgage Process.
Providing all of the required documentation ensures that we can efficiently process your mortgage application. We will advise which of the following you will need to provide:
- Agreement of Purchase and Sale
- MLS Listing
- Contact information for your lawyer: name, address, phone and fax numbers
- 2 pieces of personal identification for all parties involved
- Income and employment verification
- Recent pay stub(s)
- Letter of employment
- T4(s)
- Notice of Assessment(s) if self employed (NOAs)
- Proof of Down Payment: 3-month history of savings/investments
- Gift letter with bank statement
- Void cheque
- Copy of home insurance policy
An appraisal of the property may also be ordered.
We like to roll up my sleeves so we get to know each other better. We like to be completely clear on your needs today and your goals for the future. We will send your application to the lender (or lenders) that can best meet your needs.
We deal with over 50 lending institutions, including major banks, credit unions, trusts and other national and regional lenders, which means we can put significant negotiating power to work for you. This wealth of product choice helps me find the best mortgage to fit your specific financial situation.
After your mortgage closes, we will continue to stay in touch with ongoing communications, because life doesn’t stand still and your mortgage needs can change over time. As your needs and situation shift, we will tailor your mortgage plan so that it always fits your current goals.
We appreciate any referrals – Thanks again