A refinance means that you want, or perhaps need, to renegotiate your existing mortgage loan in order to replace it with a new one that is a better fit for you — usually to access more equity in your home or for better mortgage options.

It can be done at any point during your mortgage term, or at renewal time (applicable fees or penalties may apply). If you change lenders, you would pay out that mortgage contract to create a new one with a different lender.

It's not a given that refinancing is your best option. Whether you wait until your renewal period, or need to refinance or change lenders in the middle of your current mortgage term — there will likely be fees and charges involved, such as setup, legal or pre-payment penalties. But there are circumstances when it makes real financial sense.

Our Bexter Mortgage brokers can take a look at your particular situation, quickly sort out the pros and cons, and outline any benefits to help you decide if a refinance is right for you.

Use the money in your home to pay off high-interest debts and be mortgage-free quicker.

Refinance up to 80% of your home's value quickly and easily to pay off high-interest credit card debt that has caused your cash flow to slow to a trickle. Worried about penalties? Don't think it can make much difference? Think again. By using your home equity to consolidate your debt, you can improve monthly cash flow, have one easy payment, and be mortgage-free quicker.

Call or email today for full details and a FAST mortgage pre-approval!

Home mortgages assist applicants in the construction of their houses.
The amount required must fall within a certain percentage. The loan shall not exceed 50% of the total cost of construction for the property and the property must have reached at least the length level. The maximum term of payment is 15 years for both foreign currency loans.

Build your long-term wealth with Real Estate

Finding the perfect mortgage fit for an investment or income property is the difference between a headache and a smile. You've come to the right place — better mortgages are our specialty.

Whether you're purchasing a property for rental income or the future resale of the property, or both — for this type of mortgage, you'll need at least a 20% down payment.

Our expert, salaried Bexter Mortgage brokers can help sort through the details and outline flexible solutions that work for you. We access many lenders on your behalf, not just one, to find the right mortgage product for your situation.

Plus, we pass along our volume discount to provide your best possible rate. Even a fraction lower can end up saving you thousands over the term of your mortgage and help set you on the right path to your real estate investment success.

Invest with confidence — we're here to help. Contact us, or apply online now to start your easy, stress-free mortgage experience. There's no cost to you and no obligation.

Here's what your investment property mortgage can do for you.

• Provide options for fixed and variable-rate mortgages.
• Allow competitive rates, though lenders may charge a small premium.

We'll help you invest in flexibility and savings for your better mortgage:

• Appreciate the payment flexibility that comes with an extended amortization.
• Get the right help to purchase your investment property in a cost-effective manner.
• Enjoy the convenience of one mortgage and one monthly payment.

Why is your investment property mortgage referred to as 'traditional'?

A traditional mortgage has a minimum 20% down payment — and therefore doesn't need mortgage default insurance. Also referred to as a conventional mortgage, it means that you'll have more options and flexibility, compared to a high-ratio mortgage that requires insurance and comes with higher premiums.

How are your mortgage rates affected by property investment?

Many lenders will offer their best rates with a small premium. Our expert Bexter Mortgage brokers will check with many accredited lenders (not just one) and pass along our volume discount to get you the best rate for your situation.

What about your amortization?

If you have 20% to put down and have good credit and income, you'll likely qualify for a 30-year amortization (depending on the lender), which can help lower your payments. We'll quickly help you determine your best options.

Is your home in need of some repairs or renovations? Would you like to turn your existing house into your dream home? Have you purchased an investment property that needs upgrades before you sell it? Whatever the reason, home renovations are an excellent way to add value to your home. At Bexter Mortgage, we strive to help you get funds for your home renovation project as quickly as possible. Our lending specialists can work with you to understand your financial needs and offer home renovation financing solutions.

We have a program designed to assist clients to undertake renovation and extension of their existing homes. This loan can also be used to acquire fixtures of chattels. 

Bexter Home Purchase Mortgage is designed to assist individuals
and companies to purchase residential or commercial  properties for their own use or for investment purposes

Need money fast?

For a small home renovation? To pay off CRA debt? Or consolidate credit card debts?