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Mortgage Squad Advisors
Toronto · OntarioRefinance

Mortgage refinance in Toronto.

Lower your rate, consolidate debt, or pull up to 80% equity. Canada's largest mortgage market — multi-tiered, multi-cultural, lender-rich.

80% LTVDebt consolidationNet-of-penalty math
5-star rated| FSRA #13737| 50+ languages
Live math · Toronto
On a $1,150,000 Toronto home (50% LTV existing)
Home value (benchmark)
Toronto 2026
$1,150,000
Assumed existing mortgage
50% LTV assumption
$575,000
Accessible equity (80% LTV)
What this product can unlock
$345,000
Est. monthly payment
At 4.29% on full draw
$1,698/mo
Illustrative only. Actual rate, qualifying amount, and premium depend on your file. Get an exact number with a senior advisor or Maya AI.
Max equity LTV
80%
On uninsured refi
Avg break-even
18 mo
When rate gap > 0.50%
Penalty model
IRD
Exact, not estimate
Close time
21 days
Clean A-lender files
Why Toronto clients choose us

Mortgage refinance — built for Toronto.

Same FSRA license. Same 50+ lender network. Same dedicated advisor model — applied to GTA's specific lender appetites and property types.

Net-of-penalty savings analysis on every file — IRD computed exactly
Up to 80% LTV equity take-out on uninsured refinances
Roll cards, lines of credit, car loans, and CRA debt into the mortgage
Stress test simulated at contract rate + 2% or 5.25%
Independent legal review covered on refinances over $1M
Switch lenders if your bank won't match
Maya models penalty + new rate + break-even in 60 seconds
30-year amortization available on uninsured refinances
21-day close on clean A-lender files
$0 fee to you on A-lender refinances — disclosed in writing
Maya · 24/7 AI advisor

Have a question right now? Maya answers instantly in 50+ languages.

Mortgage refinance across Toronto

From Downtown Core to The Beaches — we know the local market, the typical refinance file size, and the lender appetites that fit each pocket of Toronto.

Downtown CoreEtobicokeNorth YorkScarboroughEast YorkForest HillLeslievilleThe Beaches
FAQ

Mortgage refinance in Toronto — common questions.

Don’t see yours? Ask Maya — instant answer in 50+ languages.

Any Canadian resident in Toronto who meets the standard mortgage refinance criteria — we help borrowers from Downtown Core, Etobicoke, North York and surrounding GTA. Canada's largest mortgage market — multi-tiered, multi-cultural, lender-rich.

Other mortgage solutions in Toronto

Same advisor team, full product menu — pick the one that fits your file.

All Toronto programs →

Mortgage refinance in other Ontario cities

Same product, different market — see how mortgage refinance look across Ontario.

Browse all Ontario

Ready to start your mortgage refinance in Toronto?

5-minute pre-qualification. No credit check to begin. Your dedicated GTA advisor responds within the next business hour.