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See whether refinancing supports your next financial goal

Payment and rate strategy, cash-out, debt consolidation, a change of term or loan type, with the costs shown, not glossed over.

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What would you like the refinance to do?

  • Lower payment or rate

    Reduce what you pay monthly, or the rate you're paying it at.

  • Take cash out

    Use built-up equity for a project, an investment, or a reserve.

  • Consolidate debt

    Fold higher-rate balances into your mortgage, where the maths supports it.

  • Shorten the term

    Pay less interest overall by moving to a shorter loan.

  • Change loan type

    Move off an adjustable rate, or out of mortgage insurance.

Step 1 of 4

Check your refinance options

Tell us about your current loan and what you'd like it to do. Estimates are fine, no documents needed.

When refinancing makes sense, and when it doesn’t

A lower rate on its own is not the whole answer. Refinancing costs money, and that cost has to be earned back before the new loan is actually better than the old one.

The break-even question

Take what refinancing costs you, and divide it by what you’d save each month. That’s roughly how many months it takes to come out ahead.

If you’re likely to sell or refinance again before that point, refinancing probably isn’t in your interest, and we’ll say so.

Break-even is an estimate. It ignores tax treatment and any change in loan term, both of which can matter.

Taking cash out

A cash-out refinance replaces your existing mortgage with a larger one and gives you the difference. How much equity you can access depends on the program, the property and your profile. It is not a fixed percentage, and it is not guaranteed.

Worth being clear-eyed about: consolidating short-term debt into a 30-year mortgage lowers the monthly payment but can increase what you pay overall. That can still be the right call. It should be a decision, not a side effect.

How a refinance runs

  1. Scenario review

    Your goal, your current loan, your timeline.

  2. Property & loan review

    Value, balance, rate and program today.

  3. Pricing comparison

    What's available, with costs included.

  4. Application & documents

    Secure collection of what's needed.

  5. Underwriting & appraisal

    Verification, and an appraisal if required.

  6. Closing

    Signing, funding, and the new loan in place.

Common questions

Worth a look?

Send us your scenario and we’ll tell you honestly whether the numbers work.

Check My Refinance Options
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