Service

Refinancing

We refinance clients regularly, as rates and banking products change. Refinancing involves paying out your current loan with a new one that better suits your needs.

Your circumstances — and the market — rarely stay still. Refinancing can lower your rate, consolidate debt, unlock equity for renovations or a new purchase, or simply move you to a lender with better service.

The same fast pre-approval process that applies to new purchases applies to refinancing an existing loan, whether you're staying with your current bank or moving to a new one.

Signs it might be time to refinance

• Your fixed rate period is ending soon.
• You haven't reviewed your rate in 2+ years.
• You want to consolidate other debts.
• You need to access equity for a renovation or investment.