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Refinance your mortgage to consolidate debt and lower monthly payments. Expert advice on equity takeout and breaking your mortgage term in Canada.
2026 Reality Check: With the cost of living increasing, cash flow is king. We analyze the "break penalty" cost of your current mortgage versus the long-term interest savings of consolidation. We provide a transparent "Cost vs. Savings" analysis so you can see exactly when you will break even and how much you will save over the next 5 years.
The Math Makes Sense: Even if your current mortgage rate is lower than today's market rate, the blended savings can be massive. If you are paying 19% on credit cards and 10% on a personal loan, refinancing into a mortgage rate of 4-5% can save you hundreds, sometimes thousands, in monthly cash flow.
Renovations & Investments: Refinancing isn't just for debt. It is also the primary vehicle for pulling out large lump sums of equity to fund major renovations (which increase your home's value) or to purchase additional real estate assets. Let us calculate your available equity today.