Refinance Your Oakville Mortgage With Confidence
Lock in a lower rate, shorten your term or tap equity, we make the switch simple
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We work with clients from all across Ontario including, Oakville, Burlington, Mississauga, Milton, Hamilton, Oshawa, Brampton and all points in between.
Our Ontario Mortgage Lending Advantage
Fast & Easy
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Low Rates
Some of the lowest rates in Ontario
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No-Obligation
free, no-hassle conversation
Trusted by 1,100+ homeowners, just like you, from across Ontario
Give Your Budget Room To Breathe
Rates have shifted dramatically since you first signed your mortgage in Oakville. By refinancing now, we can replace your old contract with a brand-new one that better matches today’s market and your current goals. Our team compares fixed, variable and hybrid options from more than 30 Canadian lenders, negotiating rate holds so you never miss a dip.
For many clients along Lakeshore Road, the goal is straightforward, shrink monthly payments and boost cash flow. Others in Glen Abbey want to shave years off their amortization without watching the Bank of Canada like a hawk. We build side-by-side projections that show exactly how each scenario affects interest costs, payoff date and flexibility, then guide you to the sweet spot.
Worried about penalties? We calculate them upfront and often time the refinance to coincide with your term anniversary, minimizing costs. From ordering the appraisal to coordinating your lawyer’s payout statement, we handle the paperwork while you focus on planning that kitchen upgrade or boosting your RRSP. Most Oakville refinances fund within two to three weeks, with documents signed electronically at your dining-room table.
Start My Refinance PlanFAQs for Mortgage Refinancing in Oakville, Ontario
How much could we save by refinancing right now?
Savings vary with rate spreads and remaining amortization, but many Oakville families trim $200 or more from monthly payments. We run a personalized cost-benefit analysis before you commit.
Can we refinance if our credit score dipped since we bought?
Yes, we work with lenders who consider overall equity and payment history, not just credit score. A strong track record on your current mortgage carries weight in their decisions.
What fees should we budget for an Ontario refinance?
Typical costs include an appraisal, legal fees and a potential break-fee on your existing mortgage. We provide a detailed quote, then structure the new loan to roll fees in if cash flow is tight.
How long does the refinance process take in Oakville?
Once documents are complete, lenders issue approvals in three to five business days and funds follow within another week. Expect the full timeline to be about two to three weeks.
Can we switch from a variable to a fixed rate during refinance?
Absolutely, refinancing is the perfect time to change rate types. We compare fixed terms of three to ten years so you can lock down predictable payments if market volatility worries you.
Please note, it is always best to get in touch with us to make sure every specific question you have is answered directly for 100 percent accurate information.
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Oakville | Burlington | Mississauga | Milton | Hamilton, Oshawa, Brampton and all across Ontario!