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Let Me Guide You to Get the Best Mortgage Refinancing in Ontario

A refinance mortgage is a mortgage that pays off your existing mortgage by replacing it with a new mortgage. By refinancing a mortgage, homeowners are able to access the equity in their home. Ultimately, refinancing your mortgage can save you thousands of dollars with a better rate, pay off your mortgage sooner, afford a renovation to increase the utility or value of your home, to get one lower payment while consolidating your debt, and more.


Reasons To Refinance:

Debt Consolidation:

You can use the equity in your home to pay off high interest debt. This is done by increasing your mortgage to pay off your debts. For most people this means lower overall monthly payments. This is a result of eliminating multiple payments into one payment at a lower interest rate. Your credit score will likely increase as a result of your debts being paid.


Eliminate A Second Mortgage:

If you have more than one mortgage then refinancing is how you would get back into one mortgage. This is done by increasing your first mortgage in order to pay off your second mortgage. This will save you money since a first mortgage will have a lower interest rate.

Take Equity Out Of Your Home:

When you refinance your mortgage you have the ability to obtain cash in hand. You can use this to pay for unexpected expenses such as; renovations, tuition, or spousal buy outs. In some instances you can save by using this cash to make purchases. For example, if you happen to need a new car and the interest rate to finance that car is greater than the rate on your mortgage.

Better Mortgage Rate or Terms:

You could also secure better mortgage rates or terms. This can be done because you are getting a new mortgage. You should also consider the cost of breaking your existing mortgage early. It may not be worth the lower rate.

There are many factors that go into determining if a mortgage refinance is right for you. 


How to Get the Best Refinance Rates:

Sure, the equity in your house has gone up!  Now what?  You can access up to 80% of the appraised value of your home.  Not what the real estate agent says it's worth.  Once you know that, subtract your current mortgage from that number and you have what is possible to use to do things like take money out to renovate, consolidate debt, support your family, improve your cash flow, or put money towards investments, an investment property or second home.

Get Started by​ scheduling a FREE no-obligation consultation by clicking on the button or fill out the form below.  I will be calling you very soon!

Some of the Company We Keep


You Deserve A Better Mortgage.  I Can Help.

I'm not your typical mortgage agent and that's a good thing

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Steven Himelfarb

Vice President of Sales

Mortgage Agent Level 2

(416) 450-3171

LIC# 12662

Stress-Free and Empowering

I work for you and not the banks or any other lender. I provide unbiased and trusted expert advice to help you get better results.

I'm responsive, responsible, and professional

I'm super fast.  I'm with you every step of the way until we get you approved. 

Best Rates

my Bank rates are even better than the Bank!  My experience, relationships, and understanding on how to negotiate with the Banks, Monoline Lenders, Alternative Lenders and Private Lenders allow me to get you the best rate based on your unique situation.

Be Confident

This industry and the market is always changing.  You are coming to me because it is my job to know all the changes and how to structure and leverage them to your benefit and get you approved.

Specializing in Private Mortgages and Alternative Lending

over 14 years of experience in getting mortgages approved in this space.  It's what we specialize in.  I have over 60+ private lenders that compete for your business which helps keep traditionally high rates and fees, low.

Education and Experience

You aren't just getting a mortgage, as a mortgage professional I will teach you how to position yourself for wealth and beyond.  I'm part of a top independent brokerage that has won several industry awards.


I've got a mortgage for that. Great credit, bad credit, self-employed, new to name it, I've got you covered all over Ontario.

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Everything is virtually digital.  We speak, sign, and complete everything using digital platforms.  Get a mortgage anywhere.

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