4361 Harvester Rd Unit 7, Burlington , ON L7L 5M4

Refinancing Mortgage Ontario

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Circle Mortgage Group has over 15 years of experience in the industry of Canadian mortgages. Our dedicated broker has served thousands of clients to take advantage of lower interest rates when refinancing a mortgage. Our brokerage's office is located in Burlington, Ontario but we are able to offer a wide range of services to clients all over the Greater Toronto Area, Ontario and Canada. Over the years, we have built a strong network of lenders, including Canadian banks and private institutions. Our goal is to ensure every borrower received the most comprehensive advice and mortgage expertise when they contact our office. If you own a home and want to look into your mortgage refinance options, give us a call today.

Circle Mortgage Group Makes Every Effort To Offer Our Clients:

Best Available Rates
Fast Approval

Quick Funding
Customer-Focused Service


Refinance Your Mortgage With Circle Mortgage To Alleviate Your Financial Burden

When you refinance your current mortgage, you're essentially combining multiple loans into one single monthly payment. This option truly provides you with financial flexibility and available equity in order to consider debt consolidation. The amortization period can remain the same or different, depending on the term of the agreement with the lender. With rates that are lower than a line of credit and credit cards, refinancing your mortgage may save you money in the long run. It also offers the opportunity to be debt-free faster.

Benefits Of Refinancing Your Current Mortgage Loan:

  • When you refinance your mortgage, you have access to the equity in your home. If you require extra funds for any reason, you can refinance your mortgage to access up to 80% of your home's current appraised value in cash.
  • Refinancing your mortgage loan can actually help you save money. If the mortgage rates have dropped since you received the mortgage, you may be in luck. Refinancing your balance with a lower interest rate is called rate-and-term refinancing. Even a slight reduction in the interest rate can lower your monthly payments.
  • If the interest rate is low, you can refinance to a fixed-rate mortgage. Unlike a variable rate mortgage, this will allow you to benefit from a lower rate on your mortgage payment for a longer period of time.
  • When you refinance, you the option to shorten your mortgage term. If you receive a large sum of money and want to put it towards your mortgage payment, you should consider refinancing into a term that allows more prepayment privileges.
  • While you may have a penalty for changing your mortgage, using your home equity to become debt-free faster and get rid of multiple loan payments will save you money in the long run.

We Can Provide You With The Advice and Help You Need To Secure The Best Interest Rate

Breaking your mortgage is not always a bad thing. The penalty you have to pay may be significantly less than the savings you'll get from a new mortgage rate or from using the home equity to consolidate debt. If you want to refinance your mortgage, our team here are Circle Mortgage Group can help you obtain lower interest rate solutions that work for you and your property. We have worked with clients in the province of Ontario and all over Canada to obtain monthly payments that are manageable, affordable and simply make financial sense. Refinancing is a fantastic strategy that enables you to take control of your finances. It enables you to consolidate debts and save money using the equity in your home. If you need help evaluating your existing mortgage balance, contact us today for more information. Our team will be there for you every step of the way.

Trusted Lenders

Circle Mortgage Prides Itself On:

Affordable Services
The dedicated team of staff here at our brokerage will work through our vast network, including connections in the banking and private sector, in order to ensure you avoid a high interest rate on your new mortgage. We are transparent and upfront about costs so you never have to worry about hidden fees.

Professional Team
Our staff specializes in mortgage loan solutions. Not only are we committed to getting you a competitive and lower rate for your mortgage payment, but we will share our knowledge and expertise so that you understand the terms of your loan agreement.

Quality Solutions
Whether you need to consolidate debt or want to tap into your home equity, we can help to find the right solution for you. We will help clients the loan to value ratio of their property value, and then implement refinancing strategies that truly make sense.

Fantastic Interest Rates
Why pay more when you don't have to? Our goal is to always provide you monthly payment options that have the lowest possible interest rate for the mortgage balance on your properties. We work with the bank sector and private lending institutions in the province of Ontario and all over Canada, which allows us to make sure you a get fair rate on your loan.

Circle Mortgage utilizes comprehensive mortgage calculators that take into consideration the current value of your property, the penalty you'll have to pay for breaking your current mortgage loan and what your new monthly payments will be. To learn whether you qualify for a mortgage loan with a new lender, contact us today.

How Mortgage Refinance can help you out?

Access home equity
It will help you save better
Shorten your mortgage term
It helps you reduce your financial burden
It will help you get rid of multiple loan payments
Build equity that you can borrow from in the future

Frequently Asked Questions

How reliable is a Mortgage Broker?

Mortgage Brokers are independent, trained professionals licensed to represent and provide you with the best advice for your mortgage needs. Mortgage Brokers primary expertise is locating funding for mortgage financing. They know where the best rates can be found. What’s more, they have the knowledge required to present a proposal for financing to lenders in the best way possible to successfully obtain mortgage financing.

Other than rates, why should I use a Mortgage Broker?

In addition to rates, because mortgage-based financing is the broker’s primary business, he or she has developed expertise in what type of mortgage financing each lender prefers to pursue. This kind of knowledge not only results in the most favorable rates for each project, but often whether a project is funded at all.

How do Mortgage Brokers Find Superior Rates?

Interest rates are a concern to borrowers. Because of their daily contact with lenders, brokers know which project or home attracts a favorable interest rate from one institution, but a higher rate at another. Some institutions, in fact, will only accept mortgage submissions from mortgage brokers. These rates, and preferences for types of mortgages, can change daily, depending on economic circumstances or based on the size of an institution’s portfolio in a particular type of mortgage. Your Mortgage Broker keeps current and knows which lender to approach first. As a result, mortgage rates obtained by Brokers are among the best available at the time of placement.
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