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Considering a refinance

There are many reasons to consider a refinance.  Lower interest rates, debt consolidation, or even just accessing the equity in your home.  We can discuss the pros and cons with you to see if a refinance is right for you.

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Our Process

Are you considering a mortgage refinance? If so, what are the important questions to ask and is this the best time to break your current mortgage and replace it with a new one. A few factors to consider are prepayment charges and other costs associated with a mortgage such as appraisal fees, legal fees and discharge fees from your current mortgage holder.

By learning about what you want to achieve through a refinance and discussing the costs associated, we can provide assistance with the mortgage planning aspect of your home financing so there are no surprises. Through a mortgage refinance, you could pay for a major home renovation, consolidate higher interest debt, maybe even get a lower interest rate. Whatever your goals, we can help you achieve them.

Refinance Rates

Whether fixed or variable, we will have a solution for you.

25 yr Amortization
5 yr Fixed



5 yr Variable



30 yr Amortization
5 yr Fixed



5 yr Variable



Open Term




Rates are subject to change and availability is based on approved credit

See all Rates


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D Gildersleeve

Fantastic group to work with, would use them again in a heartbeat!

Jorden Porter

Jose made getting our new home not only possible but set us up for it to be absolutely painless, Jose spent months making sure we set every pawn in place so that our current house and our new house were set in perfect positions to help us maintain a positive cashflow, by following his expert advice we were able to get our dream home and not stress about anything during the whole process, if you want a stress free transaction, backed by skill and expert advice Jose is the man for the job!

Barbara Dobbyn

Working with Balraj was a great experience for me. For my first time researching my own mortgage I had a lot of questions and different scenarios I wanted to explore and Balraj was patient, professional and knowledgable about everything I asked. I never felt pressured to make any decisions and truly appreciated the guidance in making such an important financial decision. I would highly recommend him as a mortgage broker!

Tanacia Campbell

We had an exceptional experience working with Balraj! He made the whole process seamless from start to finish. He took the time to answer any and all questions, was very responsive and was able to find a suitable lender that met our needs. He truly listened and understood what we were trying to achieve and always acted in our best interest. Would hands down recommend to anyone looking for a phenomenal customer service experience with respect to mortgages. Thank you Balraj!

Ready to get started?

A mortgage broker is an independent, licensed, and certified professional with an established network of lenders who works on your behalf to find the most suitable option for you.  We do the research to save you the time and hassle of dealing with different banks and lenders so that you can focus on other aspects of the home buying process.

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Our services are built to suit your needs whether it is a home purchase, mortgage refinance, or switching lenders at time of renewal.

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Reach out anytime for a no obligation conversation to see if we are right for you. Always happy to chat!

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