Refinance & Equity Calculator
Explore your options — lower payments, access equity, or consolidate debt
Current Mortgage
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Your Refinance Results
New Monthly Payment
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per month
Monthly Savings
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vs current payment
Break-Even Point
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months to recover penalty
Could you lower your payments?
Take the 60-second quiz and I’ll find your best refinance options from 50+ lenders.
Start Free Quiz →Your Home Equity
In Canada, you can refinance up to 80% of your home’s value (LTV). The difference between 80% of your home value and your mortgage balance is your accessible equity.
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Your Equity Breakdown
Home Value
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80% of Home Value
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Current Mortgage Balance
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Accessible Equity
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Max Cash Out
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accessible equity
New Monthly Payment
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at 80% LTV
Total Home Equity
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current value
Ready to access your equity?
Take the 60-second quiz and I’ll show you your best options from 50+ lenders.
Start Free Quiz →Debt Consolidation
Rolling high-interest debt into your mortgage can significantly reduce your total monthly payments and interest costs.
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Consolidation Results
New Mortgage Payment
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per month (all debt included)
Monthly Savings
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vs current payments
Annual Savings
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per year
Current Mortgage Payment
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Current Debt Payments (est.)
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Total Current Payments
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Simplify your payments
One payment, one lender, lower rate. Take the quiz to explore your options.
Start Free Quiz →This calculator provides estimates for informational purposes only. Actual rates, payments, and accessible equity may vary based on lender approval, credit profile, property appraisal, and current market conditions. Maximum refinance LTV of 80% applies to owner-occupied residential properties. Rates are subject to change without notice.