Call Now Refinance Your Mortgage and Unlock New Financial Options
Lower your payments, access your equity, and simplify your finances — all with expert guidance and fast approvals from Advance Mortgages. At Advance Mortgages, we specialize in helping homeowners refinance their mortgage to lower monthly payments, consolidate debt, and unlock their home’s equity — with a fast, transparent, and client-first approach.
What Is Mortgage Refinancing?
Lower Your Monthly Payments
Reduce your payments and free up cash flow with lower rates or extended amortization.
Consolidate Debt with Ease
Combine high-interest credit cards, lines of credit, and loans into one low-rate mortgage payment.
Access Home Equity
Refinance up to 80% of your home’s value to fund renovations, investments, or major expenses.
Flexible for Every Situation
We help self-employed, low-income, and bruised-credit borrowers refinance confidently.
Fast, Transparent Process
Multi-level management review ensures accuracy, compliance, and your best possible outcome.
Your home value
Enter your home’s estimated value and hit Next to continue
Remaining Mortgage Balance
Enter your remaining balance and see your eligibility.
Get on board with a team of seasoned professionals who have been helping Ontarians get the best rates for the last 20 years.
Why Work With Us
Fast Approvals
Streamlined process with approvals often within 24 hours.
Competitive Rates
We compare 300+ lenders to secure your best possible rate.
Flexible Options
Choose from a full range of bank, alternative, and private programs.
Customer-Centric Service
Personalized support from a dedicated advisor — start to finish.
No Hidden Fees
Transparent pricing. No surprises. Ever.
Personalized Solutions
We take time to understand your goals and build the right strategy for you.
Cash-Out Refinance Example
| Type | Balance | Rate | Monthly Payment |
|---|---|---|---|
| Mortgage | $400,000 | 4 | $2,100 |
| Credit Cards / Unsecured Debt | $100,000 | ~ | $2,200 |
| Car Loan | $40,000 | ~ | -$750 |
| Total Monthly Debt Payments | — | — | ≈ $5,050 / month |
| New Mortgage | Amount | Rate | Term | Payment |
|---|---|---|---|---|
| Consolidated Mortgage | $580,000 | 4 | 30 years | ≈ $2,940 / month |
| Includes | $100K debt consolidation, $40K car loan, $40K cash reserve |