Our service
100% free. 100% worth it.
Refinancing means using the equity you’ve built to solve costly problems or fund what matters to you. We show you how.
What your equity can do
Your home, your leverage.
PROPERTY
INVEST IN REAL ESTATE
DEBTS
PROJECTS
Equity is simple. It’s what’s yours.
The value of your property minus what you still owe on your mortgage, that’s your equity.
If your home is worth $650,000 and you have $350,000 left to repay, you have $300,000 in equity. In general, you can refinance up to 80% of your property’s value. In this example, that means access to up to $170,000 in cash, at your mortgage rate.
That’s the difference between paying for your renovations at 19.99% on a line of credit or financing them at your mortgage rate. The same project. A very different cost.
Free. Now and always.
Our services are paid by the lender who gets your file. You pay nothing, whether you stay with your current lender or you switch.
Free. Now and always.
Our services are paid by the lender who gets your file. You pay nothing, whether you stay with your current lender or you switch.
A concrete example
What it changes, in numbers.
Here’s what a typical situation looks like before and after a refinance with debt consolidation.
Before
Mortgage balance: $310,000
Current monthly payments:
Mortgage: $1,850
Line of credit (prime + 3%): $1,030
Credit cards (19.99%): $980
Personal loan: $370
Car loan: $420
Monthly total: $4,650
After
New single monthly payment: $2,690
Result
$1,960 less per month.
Same property. Same net worth.
Less stress.
The numbers vary based on your situation. We do the math with you, with no commitment.
Simple. Fast. Stress-free.
How it works with us
Step 1
We take stock
Step 2
We make lenders compete
We submit your file to the lenders with the best offers for your profile. Not just your current bank. Everyone who can offer you better.
Step 3
You choose. We execute.
We present the offers to you clearly, with our recommendations. You make the decision. We take care of the rest.
our answers
to the real questions
Will refinancing my home affect my credit score?
A credit check is done as part of the process, which may have a slight temporary impact. But in most cases, refinancing improves your overall financial situation by reducing your high-interest debts, which has a positive effect on your score over the medium term.
Are there penalties for refinancing before the end of my term?
Yes, in most cases. If you’re mid-term, your lender may charge a penalty, which can be calculated as three months’ interest or as the interest rate differential, depending on your contract. This penalty can sometimes be offset by the savings you make. We do the math with you to see whether refinancing pays off in the short and long term.
How long does it take to complete a refinance?
Generally between 3 and 6 weeks, depending on how complex the file is. A property appraisal is often required, which can stretch the timeline slightly. We support you at every step and keep communication clear so there are no surprises.
Can I refinance if I have bad credit?
It depends on your situation, but there are often options. Alternative or private lenders can accept profiles that the big banks would turn down. In some cases, a refinance is even the solution to clean up your credit file. We analyze your situation and show you what’s actually possible.
What are the good reasons to refinance?
The most common ones are: consolidating high-interest debt (credit cards, personal loans), financing renovations, freeing up cash for a project or an investment, or adjusting the terms of your mortgage. Refinancing isn’t always the right decision. We help you assess whether it makes sense in your specific case.
Is a home appraisal required to refinance?
Yes, in most cases. The lender needs to know your property’s current value to determine how much it’s willing to lend you. The appraisal is generally at your expense, but the cost is often absorbed in the process depending on the lender. We let you know from the outset.
