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Take Your Mortgage With You When You Move Porting your mortgage means transferring your existing mortgage rate and terms to...
Takes 30 seconds. No credit check required.
Porting your mortgage means transferring your existing mortgage rate and terms to a new property. This can save you thousands in prepayment penalties and let you keep a favourable rate in a higher rate environment.
Porting makes the most sense when your current mortgage rate is lower than what is available in the market today, when breaking your mortgage would result in a significant prepayment penalty, when you are buying a similarly priced or slightly more expensive home, or when you want to maintain your current amortization schedule and payment rhythm.
You sell your current home and buy a new one, with the existing mortgage terms transferring to the new property. If the new property costs more, you can often blend your existing rate with a new rate for the additional amount. Most lenders allow porting within a window of 30 to 120 days between the sale and purchase.
Not all mortgages are portable, and not all situations make porting the best choice. We analyze your specific numbers — comparing the cost of porting versus breaking and getting a new mortgage — to determine which option saves you the most money.
Tell us about your situation. We review your needs, goals, and financial picture — quick and confidential.
We compare rates and terms from our network of banks, credit unions, B-lenders, and private lenders to find your best match.
Once you choose your best option, we handle the paperwork and guide you through to funding — fast and stress-free.
Fully licensed and regulated in Ontario. Your interests are legally protected.
Clear terms, honest guidance, and a dedicated agent working to get you the best deal.
Pre-approvals in 24 hours. Private lender funding in as little as 48 hours when time is critical.
We shop your application across banks, credit unions, B-lenders, and private lenders Canada-wide.
Get a personalized rate quote in under 60 seconds. No hard credit check required.
Fully licensed, operating under 8Twelve Mortgage Corporation (Lic#13072).
Access to Canada's largest network of banks, credit unions, B-lenders, and private lenders.
Get a response within 2 business hours. Many approvals within 24-48 hours.
Expert guidance with zero pressure. We work for you, not the banks.
A licensed mortgage agent will personally review your situation and call you back within 2 hours. No pressure, just expert guidance.
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Mortgage services provided by 8Twelve Mortgage Corporation, licensed mortgage brokerage (Lic#13072).
Have questions about your mortgage options? Book a quick call with a licensed agent — no pressure, no obligation.
