Refinance with confidence
Lower your payments, consolidate debt, or access your equity. Get expert guidance across the GTA.
Why refinance in 2026?
The market is stabilizing. Make your move.
Lower your rate
Lock in better rates and reduce your monthly payments significantly
Access equity
Use your home's equity for renovations, investments, or major purchases
Consolidate debt
Roll high-interest debts into one lower monthly payment
How it works
Simple, transparent, and tailored to you
Apply online
Start your application in minutes. No paperwork upfront.
Get matched
We compare 50+ lenders to find your best rate.
Get approved
Fast decisions with flexible qualification options.
Close & save
We handle the paperwork. You enjoy lower payments.
Current refinance rates
Competitive rates across 50+ lenders
Rates subject to qualification. We compare across banks, credit unions, and alternative lenders.
Common challenges? We've got you covered.
Every situation has a solution
High debt load
Consolidate into one lower payment
Self-employed income
Flexible lenders with alternative docs
Credit challenges
Alternative lenders available
CRA arrears
Include in refinance at closing
Penalty concerns
Break-even analysis included
Appraisal worries
Pre-review and market analysis
Access to 50+ lenders
Unlike banks, we compare multiple lenders to find your perfect match — better rates, flexible terms, and approval paths designed for you.
Serving the GTA and beyond
Toronto, Durham, York, Peel, and extended areas across Ontario
Toronto
Scarborough, North York, Etobicoke, Downtown
Durham
Pickering, Ajax, Whitby, Oshawa
York Region
Markham, Richmond Hill, Vaughan
Peel
Mississauga, Brampton, Caledon
Common questions
Everything you need to know about refinancing
Ready to refinance?
Start your application in minutes and discover how much you could save