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Refinancing

Tap your home equity — no calculator, with a broker who actually reads your file.

Renovations, debt to consolidate, a project to fund: refinancing increases your mortgage balance, and that's rarely as simple as an online calculator. No CMHC, different LTV ratios, prepayment penalties to weigh. An AMF broker looks at the equity you actually have and what's actually doable — no selling you something that won't hold up.

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This page is for you if

  • You want to release equity built up in your property.
  • You're considering a HELOC or a second mortgage.
  • You're planning major renovations financed by your home.
  • You hesitate between refinancing or staying on your current mortgage.

Talk to a broker about refinancing

We don't qualify refinancing online — it depends too heavily on the full file. Click "Start my request" and pick the closest situation. The AMF broker will refine with you.

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How it works

  1. Answer a few short questions

    2 to 3 minutes. We never ask for a target rate, your SIN, or an exact credit score.

  2. Brief qualification call

    An agent from our partner calls to clarify your situation. The call is recorded (with notice), your data stays in Canada.

  3. An AMF-licensed broker calls you back

    A broker licensed by the Autorité des marchés financiers takes over. They're the one advising you — not Courteo.

Frequently asked questions

  • Why doesn't Courteo offer a refinancing simulation tool?

    Because refinancing depends on too many personal factors (equity, income, other debts) for an anonymous simulation to be honest. An AMF-licensed broker does that analysis — that's their role, not ours.

  • How can Courteo help then?

    We connect you with an AMF broker who handles refinancing. They review your file, compare lenders and explain the rules (Canadian 80% LTV cap, current lender penalties, appraisal fees).

  • Should I consolidate debts at the same time?

    It depends. Rolling debt into a mortgage lowers monthly payments but increases total cost. An AMF broker shows you both scenarios with your real numbers, not an average.

Why trust us

  • Your data is hosted in Quebec and Canada.
  • You can access, correct, or erase your information at any time (Quebec Law 25).
  • No marketing messages without your consent. We honour the national do-not-call list.
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