Mortgage Refinancing in Ottawa & Ontario

Your home has been quietly building wealth. Let's put it to work.

A refinance replaces your current mortgage with a new one, often a larger one, so you can use the equity you've built. Done right, it can save you money every month. Done wrong, it can cost you thousands in penalties. That's why the math comes first.

How I help

• Run the real numbers. I compare your prepayment penalty against the savings, so you know whether to refinance now or wait until renewal.
• Consolidate high-interest debt. Roll credit cards, car loans and lines of credit into one lower payment.
• Fund what matters: renovations, investments, or helping your kids with a down payment.
• Compare lenders. Your current lender isn't your only option.

Questions I hear most

"How much can I borrow?"
Generally up to 80% of your home's value, minus what you still owe.

"Should I break my mortgage early?"
Sometimes yes, sometimes no. I'll calculate your penalty and show you the break-even point.

"Can I refinance to add a rental suite?"
In some cases, yes, under newer federal rules. Let's see whether your property qualifies.

Your next step

Tell me what you want the money for. I'll show you the smartest way to get it. I work with clients in English, Hebrew and Russian.