Refinance and Debt Consolidation

Are you burdened by large monthly installments or multiple debts? Mortgage refinance can be a popular financial remedy. At The Mortgage Firm, we can assist you in obtaining a lower fixed rate, converting a Variable Rate Mortgage into a Fixed Rate Mortgage, consolidating multiple mortgages into one, paying off other debts, or making cash provisions for emergency situations. As your mortgage professional, I will help you decide whether it’s the right time to refinance by evaluating your current mortgage status and comparing it to your income and other debts, and then help you pick the refinance solution that best suits your current financial status.

Here are some

Advantages of working with me:

I pride myself on providing personalized and attentive service to every client. Here are just a few reasons why you should choose me as your mortgage agent:

  • Expertise: Deep knowledge of the Canadian mortgage market to help you navigate complex financial situations and find the best possible mortgage solution.

  • Access: A network of lenders, including major banks, credit unions, and private lenders, to offer you a wide range of mortgage products.

  • Commitment: Personalized and attentive service, dedicated to building long-term relationships with clients based on trust and mutual respect.

Compare Your Mortgage Options

Refinance Calculator

Compare your current mortgage with a new one to see if refinancing is right for you. Enter your loan information and closing costs to see your savings and determine your break-even point.


Refinancing could save you


New monthly payment $

Refinance fees $

Lifetime Savings $

  • Refinancing is the process of replacing an existing mortgage with a new one that has more favorable terms, such as a lower interest rate or a longer repayment period. This can help you save money on monthly payments or pay off your mortgage sooner.

  • It may be more difficult to refinance with bad credit, but it's not impossible. You may need to shop around to find a lender that will work with you and may need to pay a higher interest rate.

  • The amount you can save by refinancing your mortgage depends on a number of factors, such as your current interest rate, the new interest rate you qualify for, and the term of your new mortgage. Generally, if you can secure a lower interest rate or a shorter mortgage term, you can save a significant amount of money on interest over the life of your mortgage. Our team can help you assess your options and determine whether refinancing is a cost-effective solution for your needs.

  • Refinancing your mortgage can have a temporary impact on your credit score, as lenders will need to perform a credit check and make an inquiry into your credit history. However, the impact is usually minimal and short-lived. In fact, if you are able to secure a lower interest rate and make timely payments on your new mortgage, refinancing can actually improve your credit score in the long run. Our team can help you understand the potential impact of refinancing on your credit score and guide you through the process to minimize any negative effects.