Services

TAILORED MORTGAGE SOLUTIONS FOR EVERY NEED

Refinance

Throughout property ownership, you have opportunities to implement strategic financial solutions to meet evolving personal and professional goals. Refinancing your property allows you to leverage home equity for purposes such as debt consolidation, funding home improvements, or capitalizing business ventures.

Renewals

When your mortgage nears the end of term, we provide personalized options tailored to your needs for your new mortgage. We recommend starting this process 4–6 months before renewal to secure the best products and rates available.

Purchase Applications

Purchase applications are formal requests for mortgage financing to buy a home, involving detailed financial and property information.

Bruised Credit Programs

Bruised credit programs offer mortgage options for individuals with less-than-perfect credit, helping them secure home financing.

Self-Employed Mortgages

Self-employed mortgages are designed for individuals with irregular income, offering tailored options to help secure home financing.

Reverse Mortgages

Reverse mortgages allow homeowners aged 55+ to access their home equity without repayment until they move, sell, or pass away.

Pre-Approvals

Pre-approvals provide an estimate of how much you can borrow based on your financial situation, helping you plan your home purchase.

Self-Employed Mortgages

Self-employed mortgages are designed for individuals with irregular income, offering tailored options to help secure home financing.

Reverse Mortgages

Reverse mortgages allow homeowners aged 55+ to access their home equity without repayment until they move, sell, or pass away.

REFINANCE

Strategic Advantages of Refinancing:

Debt Consolidation

Managing multiple high-interest debts, such as credit cards, personal loans, or lines of credit, can strain financial resources and impede long-term planning. By consolidating these obligations into a mortgage, you can capitalize on lower mortgage interest rates, significantly reducing monthly payments and simplifying your financial portfolio. This approach not only enhances cash flow but also supports credit score improvement through consistent, streamlined payments, fostering greater financial stability.

Accessing Equity for Strategic Investments

Homeownership often results in substantial equity growth, which can be strategically deployed to fund transformative initiatives. Whether you aim to undertake extensive home renovations to enhance property value, invest in a business to diversify revenue streams, or pursue other wealth-building opportunities, refinancing provides a cost-effective means to unlock this capital, aligning with your broader financial strategy.

Enhanced Financial Flexibility

Refinancing allows you to tailor your mortgage structure to better suit your current financial circumstances. By accessing equity or adjusting repayment terms, you can create liquidity to pursue opportunities that strengthen your financial position, reduce economic stress, and support long-term objectives such as retirement planning or wealth accumulation.

Why Debt Consolidation Through Refinancing?

In an environment where many Canadians face challenges managing high-interest debt, refinancing offers a prudent solution to regain control over your finances. By incorporating debts into a mortgage, you can achieve:

Reduced Monthly Obligations

Mortgage interest rates are typically more favorable than those of unsecured debts, enabling significant savings on monthly payments. These savings can be redirected toward building an emergency fund, investing in retirement accounts, or other financial priorities.

Improved Credit Profile & Score

Consolidating high-interest debts into a mortgage lowers your debt-to-income ratio and simplifies payments. Timely mortgage payments and paying off all debts reduce credit utilization and showcase financial discipline, significantly improving your credit score. This strengthens your eligibility for better loan terms in the future.

Simplified Financial Management

Transitioning from multiple debt payments to a single, predictable mortgage payment reduces administrative complexity and alleviates the stress of managing various creditors, allowing you to focus on strategic financial planning.

Moving Forward with Confidence

Refinancing your property is a pivotal financial decision that requires careful evaluation of your goals, current financial standing, and market conditions. Engaging with a seasoned mortgage professional can provide clarity on the optimal refinancing strategy, ensuring alignment with your unique circumstances. By leveraging the equity in your home and restructuring your mortgage, you can unlock opportunities to enhance your financial well-being and achieve your long-term aspirations.

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TESTIMONIALS

WHAT OUR CLIENTS SAY

Hear firsthand experiences from our satisfied customers.

Working with Keenan to buy a rental property was seamless and stress-free. Their expertise and support were invaluable. Highly recommend for anyone looking to invest!

Mike L.

I had a fantastic experience working with Keenan! As a first-time homebuyer, the guidance provided was clear and supportive, making the process smooth and stress-free. Highly recommended!

Kim W.

When a friend suggested I work with Keenan to renew my mortgage, I was blown away by the experience. Their dedication to find me the best deal in the market was incredible. Thankful I didn't just stick with my bank.