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Some lenders will allow you to refinance up to 80% of your home’s value. How would you use that money?

Housing prices have grown considerably in a short amount of time. Some homeowners want to unlock that value for different reasons, such as
• Increasing assets
• Consolidating debts
• Combine first and second mortgage
• Renovations or upgrades to a home

Consider how you would use the extra money.
Have you had enough of multiple debt payments?
Are you struggling to make minimum payments every month?
Do creditors have higher interest rates than your mortgage rate?
Would you like to buy more stocks, bonds, or other investments?

Refinancing your home can help you achieve your financial goals. I’m happy to answer your questions and determine your needs. I’ll even guide you through the process and ensure it goes smoothly.

Contact me today, and let’s get you in your dream home!

Lowest rates for mortgage refinance

One of the advantages of using a mortgage broker for refinancing is that we deal with the lenders directly.


It allows us to offer you a volume discount and get the lowest possible refinance rate. You can call me or apply online.

Homeowners looking to refinance their mortgage will need to provide details, including:

1. Loan purpose – Lenders will need to know how you intend to use the money you’ll receive. The acceptable loan purposes are asset enhancement, debt consolidation, combining first and second mortgages, renovations, and purchasing investments.

2. Eligible property – The property you want to refinance must meet the following conditions:
• Owner occupied
• Up to four units, with one being the principal residence
• Existing, not new, properties
• Secondary homes or investment properties
• Maximum two units

3. Loan-to-Value Ratio limits
A fundamental equation in the mortgage world is the loan-to-value ratio. It is the ratio between what you owe on your mortgage and the property value. For example, if your home has been valued at $100,000 and you still owe $85,000 on your mortgage, your LTV ratio would be $85,000 divided by $100,000 or 85%. To be eligible for refinancing, you must have an LTV ratio below 80%.

4. Amortization
Refinancing your mortgage allows you to extend your amortization up to 30 years.

Contact me today, and let’s get you in your dream home!

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Cell: 416-809-2196
Offfice: 905-264-8444

101 – 1 Director Court,
Woodbridge, ON L4L 4S5

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