In Canada you can refinance up to 80% of your home's value.
2 · Home equity line of credit (HELOC)
Do you have a HELOC secured against this home?
Monthly payment is estimated as interest-only on the balance.
3 · Other debts to consolidate
Credit card & line-of-credit payments are estimated at 3% of the balance per month. Add as many as you need.
Credit cards payment = 3% of balance
Lines of credit payment = 3% of balance
Vehicle loans
Student loans
Other debt
4 · Your new mortgage
These are general market rate options. Your actual rate could be lower based on your full application, and can vary by lender. We'll get you the best rate and structure the move to lock in your savings.
What refinancing could do
Available to refinance (80% of value)
Maximum new mortgage$0
Room after mortgage & HELOC$0
Where you are today
Total debt$0
Monthly payments$0
Interest cost / year*$0
After refinancing
New mortgage$0
Debt consolidated & cleared$0
Debt left outside mortgage$0
Monthly payments$0
Interest cost / year*$0
Your total savings in year one
$0
Monthly cash flow freed
$0
Cash flow saved / year
$0
Interest saved (year 1)*
$0
You'd still have $0 in home equity available to access after this, handy for renovations, investments, or future plans.
*Interest figures are estimated annual interest at the rates shown, for comparison only. Consolidating debt into a mortgage spreads it over a longer amortization, so while your monthly cost and rate usually drop, total interest over the full term depends on how quickly you repay. The one-year total combines your annual cash-flow saving and estimated first-year interest saving (these measure different things, combined for illustration). Not an approval or offer.
Email me these numbers
Enter your email and we'll send this refinance summary straight to your inbox.
Ready to make it real?
Lock in these savings
Let's turn this estimate into a real plan. We'll confirm your numbers, shop 50+ lenders, and structure the refinance so it works in your favour, at no cost.