Mortgages Refinance

Refinance Mortgages

Mortgage Refinancing

Unlock Your Home's Hidden Wealth & Lower Your Payments

Your Home = Your Financial Superpower

Rates dropped? Credit improved? Need cash?

Your Toronto home has likely gained $200K-$400K in value. Why let that equity sit idle when you could be using it to eliminate debt, fund investments, or secure better rates?

Refinancing lets you reset your mortgage terms AND access up to 80% of your equity in cash.

🏠 Refinancing Essentials

Two Powerful Options

💰 Toronto Equity Example

Current Situation:

Home Value: $1,200,000

Outstanding Mortgage: $600,000

Available Equity: $600,000

80% Cash Access: $360,000

That's over a third of a million in accessible cash at mortgage rates!

🎯 Perfect Refinancing Scenarios

✅ Rate Optimization

Market rates dropped 1%+ since your last renewal

Credit score improved 100+ points

Switch from high-rate lender (alternative/private to bank)

Remove mortgage insurance (reached 20% equity)

💡 Wealth Building Strategies

Debt Consolidation (eliminate 19% credit cards with 6% mortgage)

Investment Property Down Payment (leverage equity for rentals)

Home Renovations (tax-free equity vs. high-interest loans)

Business Investment (often tax-deductible when used commercially)

Education Funding (children's university, professional development)

📊 Break-Even Analysis


Rule: If you save more than the penalty cost in 2-3 years, refinance makes sense.

⚡ Refinance vs. Second Mortgage

"We had $85K in credit card debt at 22% interest costing us $1,900/month. Your Rate Guy helped us refinance and pull out $100K at 6.2%. Our total payment dropped to $650/month, and we'll be debt-free in 8 years instead of never. Plus our home value went up another $180K since we refinanced!"

– Patricia & Tom W., Etobicoke

"Your Rate Guy – Where Home Equity Meets Financial Freedom".

→ Call Now:

647-241-6652

Thinking of working with me?

Schedule a no obligation call today

Dan Mizrahi

Mortgage Broker

Choice Financial Corp. #13564

Independently owned and operated

Licensed in

Ontario FSRA #13564

Alberta RECA

CF Choice Financial Corp:

BC: BCFSA #MB605782

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