Mortgage Refinancing
Your home has gained value. What if it worked for you?
Over the years, you've built something valuable: your home equity. Refinancing allows you to access it to finance your projects, reduce your payments, or regain control of your finances. My role: analyze your situation, calculate whether the operation is truly worthwhile, and negotiate the best terms for you.
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What is refinancing for?
Refinancing is renegotiating your mortgage to fit your reality today — not the reality from five years ago. Here are the most common reasons among my clients:
Renovate or expand — finance your renovations at a mortgage rate, far more advantageous than a line of credit or personal loan, while increasing your property's value.
Consolidate your debts — combine credit cards, loans, and lines of credit into a single payment, at a single rate, and significantly reduce your monthly payments.
Invest in your projects — down payment for an income property or a chalet, starting a business, your children's education: the net worth of your home becomes a lever.
Take advantage of better terms — sometimes, refinancing simply allows you to obtain a better rate and save thousands of dollars over the life of your loan.
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Is it worth it?
Refinancing before your term ends can incur a penalty, and that is where my role becomes essential. I will never tell you to refinance if the numbers don’t justify it.
1. We map out your situation. Mortgage balance, property value, debts, projects: we determine how much you can unlock — up to 80% of your home’s value.
2. I calculate the real cost of the operation. Penalty, fees, new rate: if refinancing saves you money, we proceed. Otherwise, I’ll tell you frankly and we’ll explore other solutions.
3. I shop for you with more than 20 financial institutions. Your current bank isn’t always the one offering the best terms — I create competition to your advantage.
4. I take care of the file, from start to finish. Documents, appraisal, approval, notary: I coordinate every step and keep you informed, in clear French.
Curious to know what your home can do for you?
A first conversation, free and with no obligation, is often enough to get clarity: what your property is worth, what you could access, and whether the timing is right. Let's do the math together.
Mélanie LarinMortgage broker
Multi-Prêts Hypothèques
468, chemin de la Grande-Côte, Saint-Eustache (Québec) J7P 1J4
Autorité des Marchés Financiers (AMF) member # 253199