Refinancing

Mortgage Renewal
What mortgage renewal means in Canada and how borrowers should read renewal statements, compare offers, and decide whether to stay or switch.
Mortgage Switch
What a mortgage switch means in Canada and how straight switches, registration costs, and qualifying rules can differ from a refinance.
Porting
What porting means in Canada and how a borrower may move an existing mortgage to a new property.
Readvanceable Mortgage
What a readvanceable mortgage means in Canada and how it combines mortgage repayment with reusable home-equity credit.
Renewal, Refinancing and Home Equity
Canada-first explanations of mortgage renewal, switching, porting, refinancing, and HELOC vocabulary.
Second Mortgage
What a second mortgage means in Canada and how it differs from a HELOC or a refinance.