Whether you're consolidating debt, funding a renovation, or just want a better rate, I'll show you what refinancing actually unlocks for you — compared across 76+ lenders.
Share a few details and I'll follow up within one business day with your real options — not just a generic rate.
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“Refinancing always seemed like such a headache, but Anneka made the whole thing painless… On top of that, she found a way to work debt consolidation into the plan.”
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ManulifeThree of the most common reasons homeowners refinance — and what to weigh before you do.
Roll credit cards, loans, or other variable-rate debt into your mortgage at a lower blended rate — often cutting your total monthly payments.
Renovate, invest, or cover a major expense using equity you've already built, without leaving the home you're in.
Refinancing usually means breaking your current term — I'll run the real numbers, penalty included, so you know it's worth it before you sign anything.
Your bank can only offer you their own products. I compare 76+ lenders — including alternative lenders banks don't have access to — using one application and one credit check, so you see every option before you decide.
Get a quick estimate based on your home's value and what's left on your mortgage.
Based on the standard rule that total secured debt (mortgage + refinance) can't exceed 80% of your home's value. Actual approval depends on income and credit. Talk to me for an accurate number →
Estimate your payment on a new loan amount, rate, and remaining amortization.
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Most lenders qualify you on net income, averaged over two years, with certain add-backs allowed — not your gross revenue. That can mean less borrowing power than your bank statements suggest, especially if your accountant has minimized your income for tax purposes. I work with lenders who account for that, including alternative and stated-income options a traditional bank branch can't offer.
Most lenders average two years of net income and allow certain add-backs. Programs vary — some lenders use gross revenue instead. Self-employed? Lenders read your income differently. Anneka will compare 76+ lenders and send you a personalized version — free, no obligation. Get My Personalized Numbers
Refinancing replaces your existing mortgage with a new one — usually at a new rate and term — and can increase your loan amount up to 80% of your home's value. A HELOC is a separate revolving line of credit secured against your equity, up to that same 80% combined limit, that you can draw from and repay as needed. Which one fits depends on whether you want a lump sum now or flexible access over time.
In Canada, your total secured debt against the home — your existing mortgage plus whatever you refinance or borrow through a HELOC — generally can't exceed 80% of your home's appraised value. The exact amount you qualify for also depends on your income and credit.
If you're breaking your current term early, most lenders charge a prepayment penalty — either three months' interest or an interest rate differential (IRD), whichever is higher for a fixed rate. I'll run the actual penalty for your mortgage before you commit, so you know whether refinancing still makes sense once it's factored in.
Most refinances close in three to four weeks once your documents are in, including a home appraisal. A HELOC add-on to an existing insured mortgage can sometimes move faster. I'll give you a realistic timeline once I know which route fits your situation.
Applying triggers a credit check, which can cause a small, temporary dip — the same as any credit application. It doesn't meaningfully affect your score long-term, and using refinancing to consolidate high-interest debt often helps your credit utilization over time.
“I came to Anneka with three things on the go: refinancing our home, financing an investment property, and finding the money to expand my business. Everyone else I talked to could help with one piece. Anneka looked at the whole picture and lined it all up so each step set up the next. She knew which lenders would work with a business owner like me and kept things moving when it got complicated. I've already sent friends her way.”
Nathen S., Mississauga ON“She is amazing, she is my mortgage broker for life. Had a home for 20 years and wanted to use my equity, the bank I used wasn't willing to give me options. Spoke with Anneka, she made it easy & understandable and with her help I was able to get to where I needed.”
Chantel R., Brampton ON“Refinancing always seemed like such a headache, but Anneka made the whole thing painless. She helped me refinance my mortgage and land a great rate without me having to jump through hoops or chase paperwork every five minutes. On top of that, she found a way to work debt consolidation into the plan.”
Aaron L., Hamilton ON“We were in such a tight spot — trying to sell our home and secure a new mortgage at the same time, and every bank we tried turned us away. I honestly don't know how Anneka did it, but she stayed calm through all of it, kept reassuring us we'd get there, and worked what genuinely felt like magic behind the scenes. Where everyone else told us no, she found a way to make it work.”
Natasha S., Scarborough ONThere's no wrong way to reach out — call, video chat, email, or meet in person at the brokerage office. Whatever's easiest for you, I'll walk you through your options with no pressure and no cost to ask.
