Loan option
Refinance in the GTA
Refinancing replaces your current mortgage with a new one — usually to pull equity out, change the amortization, or move from a private mortgage back to a more conventional product.
When homeowners use a refinance
- Pulling equity out for renovations, debt consolidation, or investment
- Refinancing out of a private mortgage back to an A- or B-lender
- Extending amortization to lower monthly payments
- Combining a first and second mortgage into one new loan
How equity-based qualification works
Refinance options depend on equity, credit, income documentation, and what penalties your current mortgage carries.
As a general Ontario rule, lending partners want the combined balance of every mortgage that will sit against the property — first, second, and so on — to land at roughly 75%–80% of the appraised value. We are a referral service, not a lender; final pricing and approval are determined by the licensed lending partner.
Refinance by city in the GTA
Browse refinance options in your area. Each page reflects local housing context, but the underlying program is the same equity-based approach.
Other GTA & Ontario cities
Lending Options Across the GTA
Explore equity-based lending options by type and by city. We connect homeowners across the Greater Toronto Area with our network of licensed lending partners.