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Mortgage Refinancing

  • Expert advice on mortgage refinancing
  • Get a better rate and lower fees
  • Save thousands over the life of your loan
  • Pay off your mortgage sooner

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The mortgage that helped you purchase your first home may not be the best option today. As your lifestyle and financial circumstances change, it is necessary to review your home loan to ensure you’re still getting the best deal. Refinancing involves switching your home loan for a more suitable product that takes into account your changing needs, or allows you to take advantage of a better rate with lower fees. 

While it may seem easier to keep your home loan where it is, complacent borrowers could miss out on saving thousands of dollars and prolong the life of their mortgage. Comparing the entire range of mortgage products on the market is daunting, but with the help of our Mortgage specialists you can ensure refinancing gives you a product that suits your exact needs and delivers a better rate.

Find The Home You Love And We’ll Do The Rest.​

We keep things simple with fast, hassle free service. No hard sells. No obligation. Just the best rates around and fee-free advice.

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Home loan health check

If you’ve decided to refinance an existing property, you’ll need to take a look at a few things such as the terms of your current loan including interest rate, maturity rate, type of loan, as well as the equity you have in your property. A home loan health check will look at all these things and help you to identify if your current home loan is still working for you and meeting your requirements.

Pre-approval

After you determine the amount of equity you have in your property, we’ll introduce you to the wide range of products that we have available. You’ll have flexibility, security and a product designed to suit your needs. After a preliminary meeting we’ll be able to provide pre-approval of your loan and help you move ahead with your plans.

Why Choose Karista Mortgage?

Award Winning

One of Canada's most awarded non-bank lenders

Dependable

Expert lenders you can trust without the mortgage jargon

Experienced

Helping Canadians achieve homeownership since 2003

Innovative

Innovative approach that saves you time & money

As a financial advisor, I can’t stress how important it is to have a great team of lending professionals. Working with Bernadette and Vaneesh was a very refreshing experience. If you like feeling well looked after, being able to trust that your broker has your best interest at heart then Karista is a great place to go for a mortgage. Being one of the largest and most important transactions of my family’s life to date, it was nice to have a well versed team of professionals taking care of us. We definitely didn’t have the time to shop banks ourselves. I will definitely recommend friends, family and clients to Karista.
Jeremy R.
Finally feeling settled in our new home. A huge thanks to Vaneesh Dass and the Karista team for for putting up with us looking at countless properties before finding the perfect place, and making the mortgage process as painless as it could possibly be!
Kyle K.
For me trust is a very important factor and the most valuable are the follow ups… calls and reminders. I am looking for the sincerity of service more than the business transaction. I really felt the sincerity. Karista does it not for the business but to help people. They did everything perfectly for me. And even now they still call. Other brokers would not do that. I love the personal connection!
Mario
Bernadette does whatever she can for the best for her clients. I found everything perfect regarding customer service, time, and I got the best result.
Hossein
We were comfortable knowing that you were available to answer all our questions without having to repeat ourselves, or to be passed around. We trusted you and you explained in words we can understand everything we needed to know in the world of “mortgages & interest”. We can explain our feelings without hesitation in our own language... We have lots of things to thank the Karista team for.
Ana and Jomi
Bernadette gives excellent advice! Everything was perfect!
Julieta
Service par excellence! Bernadette has been helping us with our mortgage for the past 8 years. She's not only our mortgage consultant but most importantly, a friend we can count on in times of need. She has her own effective ways of explaining the details of homebuying and can get you the best rate in the market. Her service does not stop with clients getting the mortage rate they deserved and moving-in in their homes, she also throws Client Appreciation Event annually by giving us free movie screening - a deed she doesn't need to give,IMO, but is always appreciated.
Neil O.
TEAM was very helpful. THEY are very helpful, knowledgeable, and they know what are they doing. SHEILA, KRYSTLE and BERNADETTE, was patiently helped us renewed our mortgage. Thanks Karista Team. ❤️❤️❤️👍👍👍
Janette R.
Bernadette and her time are amazing You have this great feeling knowing that they are always around if you need it plus you will always find a beautiful smiles behind all them.
Patricia C.
I recently had an amazing experience dealing with Karista Mortgage. Bernadette has a big heart for her clients, trustworthy and really listens to what I need. She worked hard to get the best mortgage rate for me. It has been pleasure working with her team especially Sheila and Krystle. They made the whole process simple and stress free. They are very professional, organized and always there to answer to my endless questions. Thank you Karista Mortgage from the bottom of my heart! You are all amazing because you truly care for your clients. I would highly recommend Karista Mortgage to anyone who will need their service.
Roland & Mel
Karista has been very instrumental in helping me with consolidating and funding the home of my dreams. Every step of the process was done with amazing care and professionalism. Their friendly and assuring approach made this big move for me and my family a worry free and exciting venture. Thank you Bernadette, Sheilla, Krystle and the whole Karista staff.
Oliver & Grace
Bernadette is a mortgage broker that I can trust she makes me feel like I'm a millionaire, she helped me a lot on how to manage my mortgage account how to have a better cash flow and after all that she have done you will leave her office with a smile on your face, thanks a lot for all your help.
Mary Ann
Great customer service! They go out of their way to help you with your needs. Bernadette is very knowledgeable and can provide well sounded advise about the latest market trends. They won’t disappoint!
Dominique
Thanks again Louis!! Couldn't have done it without you. You worked hard to find the right lender, and covered all the bases through to completion. Your personal service and high availability made all the difference. Thank you, thank you, and thank you!! I will definitely recommend you if any one I know is looking for a mortgage.
James W.
TEAM Karista was very helpful. THEY are very patient, understanding, knowledgeable, and they are very good on what they are doing. Thank you SHEILA, KRYSTLE and BERNADETTE, for helping as on our mortgage. Thanks Karista Team. ❤️❤️❤️👍👍👍
Mildred
Karista Team is the best! I am giving them an excellent service rating! They helped me buy my first ever rental property. In the process, they went above and beyond the call of duty. They did all the work while I was vacationing in Europe and worry nothing until all papers are done. They taught me how to sign my documents electronically with ease. I highly recommend Karista Team for your next property purchase. They are a professional mortgage broker that you can trust all the way. Greatly appreciate all your hard work, thank you Bernadette, Krystle and Sheilla.
Mila A.
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Come By Our Office! (by appointment only)

Address: #269 – 5489 Byrne Road
Burnaby, BC. V5J 3J1 
Phone: 604-436-4600
Fax: 604-343-7100

When you arrive at Riverway Business Park, proceed to the rear building facing the golf course. We are located half-way down the building at Suite Number 269.

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