Refinancing
Optimize your current mortgage. Consolidate debts, finance renovations or access your home equity.
Step-by-Step Process
Current Mortgage Evaluation
Analysis of your current contract, balance, rate and loan conditions.
Available Equity Calculation
Determination of your property's market value and accessible equity (up to 80% of value).
Penalty Analysis
Precise calculation of prepayment penalties with your current lender.
Scenario Comparison
Presentation of multiple options: refinance with same lender, transfer to new lender, home equity line of credit.
Lender Submission
Submission of your file to lenders offering the best conditions for your situation.
Approval & Signing
Finalization of the new mortgage contract and notary signing.
Required Documents
- Valid ID
- Current mortgage statement
- Latest municipal assessment
- Recent pay stubs
- Tax assessments (last 2 years)
- Bank statements (last 3 months)
- Existing debt statements
Eligibility Criteria
Property with sufficient equity (minimum 20%)
Good credit score (600+)
Stable income to support new payments
Favorable recent property evaluation
Consultation Mode
Choose your consultation mode: video conference or phone, with no travel needed.
Frequently Asked Questions
Request this service
Fill out the form and we will contact you within 24 hours.
What is your situation?
Our other services
Property Purchase
Find the best financing for your new property. We compare offers from 20+ lenders to get you the most advantageous rate.
Mortgage Renewal
Don't automatically renew with your current lender. Let us negotiate the best conditions for your renewal.
Pre-Approval
Get a mortgage pre-approval to shop with confidence. Know your exact budget before looking for your property.