Homeowner Mortgage Journey
Already own your home? Tell us what's going on and we'll figure out whether that's a renewal, a refinance, or a second position — then show you the real numbers side by side.
Step 1 of 4: What are you hoping to do?
What are you hoping to do?
No mortgage jargon needed — just tell us what's going on.
What are you hoping to do?
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Frequently Asked Questions
The Homebuyer Journey is for someone purchasing a home for the first time (or again) — down payment, closing costs, the works. This journey is for people who already own their home and are dealing with a renewal, refinance, or accessing equity instead.
Yes — that's exactly what the first two steps are for. Tell us your goal in plain language and we'll work out whether that's a straight renewal/switch, a refinance, or a second position (HELOC/second mortgage), and explain why.
Breaking a mortgage before your term matures usually means a prepayment penalty. If you're still mid-term, we flag that first so it's part of the decision, not a surprise at the end.
No — this gives you real numbers to bring into that conversation, using published lender rules (OSFI, FCAC) rather than guesswork. A broker can confirm exact rates, fees, and eligibility for your specific situation.