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Unlock Better Terms or Access Your Equity Refinancing your mortgage means replacing your current mortgage with a new one —...
Takes 30 seconds. No credit check required.
Refinancing your mortgage means replacing your current mortgage with a new one — often at a better rate, with different terms, or to access the equity you have built in your home. Whether you want to lower your payments, consolidate debt, fund renovations, or restructure your finances, Mortgagefy connects you with 100+ lenders to find the right refinancing solution.
Mortgage refinancing involves breaking your existing mortgage and replacing it with a new mortgage on the same property. You can refinance up to 80% of your home’s appraised value. This lets you access your equity as cash, switch to a lower interest rate, extend or shorten your amortization, or consolidate high-interest debts into your mortgage at a much lower rate. Refinancing is one of the most powerful financial tools available to Canadian homeowners.
Homeowners with at least 20% equity in their property. Borrowers looking to access equity for renovations, investments, or debt consolidation. Homeowners whose credit or income situation has changed since their original mortgage. Clients with bruised credit or non-traditional income can refinance through our B-lender and private lending partners.
Access up to 80% of your home’s value. Consolidate high-interest credit cards, car loans, and lines of credit into one low payment. Lock in a lower interest rate and reduce your monthly costs. Fund major renovations or investments using your home equity. Flexible terms from 1 to 5 years depending on the lender.
We start by reviewing your current mortgage, property value, and financial goals. Our team identifies the best refinancing options from our 100+ lender network, factoring in any penalties for breaking your existing mortgage. We handle the full application process, coordinate the appraisal, and manage the transition so you can focus on what matters. Most refinancing applications are approved within 24 to 48 hours.
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.
