Everything you need to know about refinancing your mortgage
Let us outline the best options to access your home equity.
Whatever your reasons to access your home equity through a refinance, it all comes together when you follow our simple 3 step plan.
Get started right away
The best place to start is to connect with us directly. The mortgage process is personal. Our commitment is to listen to all your needs, assess your financial situation, and provide you with a clear plan forward.
Get a clear plan
Sorting through all the different mortgage lenders, rates, terms, and features can be overwhelming. Let us cut through the noise, we'll outline the best mortgage products available for your refinance.
Let us handle the details
When it comes time to arranging your mortgage, we'll handle all the paperwork and negotiate the best mortgage terms on your behalf. Mortgage refinancing made easy.
Refinance with confidence
We have the experience to ensure you get the best mortgage available for your refinance.
Learn more about refinancing your mortgage here.
Benefits of Working with an Independent Mortgage Professional
If you're looking to refinance your mortgage, working with an independent mortgage professional will save you money and provide you with better options than dealing with a single financial institution.
Finance Your Home Renovations
If you’re looking to complete some home renovations but don’t quite have enough cash to move forward, consider refinancing your home. Use the equity you have built up to increase the value of your home.
Reposition Your Debts Through Mortgage Financing
If you’re a homeowner looking to optimize your finances, consider taking advantage of your home’s equity to reposition any existing debts you may have.
4 Ways to Access your Home Equity
If you’ve been a homeowner for many years, likely your property value has increased significantly. One advantage of homeownership is the opportunity to build equity. Learn about how you can access that equity.
Learn more about how credit impacts a home purchase
Getting a Mortgage After Bankruptcy
After a bankruptcy or consumer proposal, the key to financial success is getting your finances under control as quickly as possible. If you're looking to refinance your mortgage, these principles apply to you!
How to Handle Missed Payments
If you’ve missed a payment on your credit card or line of credit and you’re wondering how to handle things and if this will impact your creditworthiness down the road, here’s the plan for you to follow.
Mortgage information to help you make the best financial decisions
Standard or Collateral Charge Mortgage. What's best for you?
When arranging mortgage financing, your mortgage lender will register your mortgage in one of two ways. Either with a standard charge mortgage or a collateral charge mortgage. Learn more about the differences here.
Lowering Your Overall Cost of Borrowing
Choosing a mortgage with a low rate is part of reducing your overall borrowing costs, but it’s certainly not the only factor. Learn more about what you should consider when securing mortgage financing.
Can you Trust Online Mortgage Calculators?
Online mortgage calculators should never be relied on for mortgage qualification purposes. Lenders consider much more than numbers when assessing your suitability for a mortgage.
It is important to understand how refinancing will effect your finances and your mortgage. It is very wise to speak with an experienced and professional mortgage broker and discuss all the options available to you. Refinancing your home when rates are very low can mean big savings and there are many reasons to consider this option. Here are a few options many home owners choose to refinance:
- Consolidating debt and paying off debts like car loans, student loans, credit card debt and other personal loans.
- Reducing monthly mortgage payments taking advantage of some of the lowest rates in history.
- Using home equity for home renovations or home additions.
- Many Canadiens are taking advantage of lower home prices and using equity to buy a second home as an investment or vacation property.
- Managing life changes like taking care of an aging family member, sending the kids to university, having a new baby, or other challenges like divorce or separation.
There are many reasons to refinance and just as buying a new home, refinancing needs just as much care and attention in order to get you the best possible mortgage for your needs and situation.
We invite you to take a look at a free report that highlights common mistakes homebuyers can make when refinancing their home and what you can do about it before you begin to take action. Please feel free to contact us at anytime and find out how we can save you money and help you refinance your mortgage so you are able to achieve your desired outcome.
Please feel free to contact us at anytime and find out how we can save you money and help you refinance your mortgage so you are able to achieve your desired outcome.
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Mortgage financing from DLC Matt Chan Mortgage Services