Mortgage Refinancing

Refinancing your mortgage can save you money if you do it right.

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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. Our team of experts will carefully study and evaluate the status of your current mortgage, help you decide whether it is the right time for you to refinance, and work with you to choose the refinance solution that best suits your current financial status.

Reasons to Refinance Your Mortgage

As your lifestyle and financial circumstances change, it is necessary to review your home loan to ensure you’re still getting the best deal. Like many other homeowners, you may be considering what options you have now.

  • Buy your second home or investment property
  • Get a better rate and lower fees
  • Save thousands over the life of your loan
  • Pay off your mortgage sooner
  • Have cash for home renovations, travels, and emergencies

How Much Can I Borrow if I Refinance?

When you refinance, you are taking out a new loan against your current home. The amount you can borrow is based on the value of your home and how much equity you have in it. Over the years, you’ve been building up equity by paying down a portion of the principal with every payment. The amount of money you can borrow by refinancing is up to 80% of the equity you have in your home subject to any additional charges or fees associated with refinancing like closing costs.

Why Choose Karista Mortgage?

Award Winning

One of Canada's most awarded Mortgage Brokers

Reliable & Highly Experienced

Helping Canadians achieve homeownership since 2003 with over 47 years of combined mortgage experience.

Dependable & Committed

We are committed to make a positive lasting difference from your first home purchase to your 2nd, 3rd and 4th houses, and more.

You’re Our Priority

Your best interest always comes first. We work for you and not the lenders.

What Our Clients Say About Us

Thank you Karista Team especially to Carolyn for helping me out, I will look forward to working with you again and I fully recommend karista mortgage. You are all amazing
- Esperanza G. -
Thank you so much Karista Mortgage team. You’ve helped us so much since we bought our first home. Carol has been so approachable and always goes the extra mile. She makes sure she has given us the best options in our decision-making. Highly recommended. See you again in our next purchase/s.
- Marie N. -
To all who want to invest in real estate and first-time home buyers I would definitely recommend Karista Mortgage. Sheilla is our Mortgage Strategy Manager for our rental property investment. She is very helpful, and answer all our queries. She will give you an excellent advice. To all the Karista Team, thank you so much for all your great work. Looking forward to work with you guys again. You make things possible!
- Mae S. -
We just purchased our first rental property and really appreciated the way Sheilla helped us make a wise decision and how she gave great advice. She made this stressful and daunting process go very smoothly. I highly recommend Karista mortgage!
- Jimmy -
Knowledgeable and service oriented. I would highly recommend Karista Mortgage as a mortgage broker.
- Mike M. -
Thank you Carolyn Kho of Karista. We did it, my kids are happy to our new place. This is the easiest and fastest processing for mortgage application. Highly recommended to those who are looking and planning to buy a house.
- Bless C. -
Thank you, Karista for the superb service! Everyone is so organized and very diligent in reminding all the requirements and updates. They guided us from start to finish and made sure we are on the right track!
- Richard A. -
The Karista Mortgage team helped me with my very first home purchase. They were super friendly and informative. They were easy to contact, communicated well, and answered all my questions. Thanks to them, my experience as a first time home buyer went smoothly. I definitely see myself working with them again in the future.
- John M. -
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If you are you thinking of refinancing your mortgage, book a Quick Call with us today to find the best mortgage options and competitive rates available!

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