Reshape your mortgage. Reclaim your cash flow. Reinvest in what matters.
Refinancing & Equity Solutions
Life changes. Your mortgage should be allowed to change with it.
Whether you’re trying to lower your payments, simplify high-interest debt, or access equity for renovations or investments, thoughtful refinancing can be a powerful financial reset.
At Mortgage art, Sepideh “Sepi” Sabet brings a career spent in Canadian banking and real estate financing to help you decide if refinancing makes sense—and how to do it carefully when it does.
You won’t get a blanket “yes, refinance” or “no, don’t bother.” You’ll get a clear breakdown of the costs, benefits, and long-term impact so you can move forward confidently.
We’ll review your existing mortgage, your goals, and your numbers together.
Our Main Refinancing & Equity Services
Tune your mortgage to fit the life you’re living now
Mortgage Refinancing
Refinancing isn’t just about chasing a lower rate—it’s about restructuring your mortgage so it aligns with your current priorities: stability, flexibility, cash flow, or paying things down faster.
With Mortgage Refinancing support, we can:
- Compare your current mortgage to what’s available now (rate, term, features, penalties)
- Look at ways to reduce monthly payments or shorten your remaining amortization
- Explore switching lenders if it improves your overall position
- Walk through penalties, legal costs, and break-even timelines in plain language
The outcome: a clear “stay as you are” vs “refinance” decision, supported by real numbers—not guesswork.
From scattered payments to one clear plan
Debt Consolidation
High-interest debt can drain your monthly budget and make progress feel impossible—even if your income is solid. Consolidating that debt into your mortgage, when appropriate, can be a way to regain control.
What we focus on:
- Reviewing your full debt picture: credit cards, lines of credit, loans
- Seeing how much, if any, can be safely rolled into your mortgage
- Comparing your current blended interest costs to a consolidation scenario
- Stress-testing your budget so the new payment is realistic and sustainable
Debt consolidation isn’t about “hiding” debt—it’s about restructuring it so you can actually move forward. Sepi’s financial education background means you’ll also leave with a plan, not just a new payment.
Put the value in your home to work—strategically
Home Equity Take-Out
Your home equity can be a powerful tool, but it needs to be used with care. A home equity take-out can help fund major goals without resorting to very expensive credit.
Common uses include:
- Renovations that add comfort or long-term value
- Assisting children or family with their own home purchases
- Seed capital for a business or investment opportunity
- Restructuring your finances after a major life change
How we approach it:
- Identify how much equity can be accessed responsibly
- Choose between refinancing, a HELOC, or other structures
- Discuss risk, repayment strategy, and “worst-case” scenarios
- Make sure this move supports—not undermines—your long-term stability
The emphasis is always on balance: using equity wisely, not just because it’s available.
How Our Refinancing & Equity Process Works
Current Mortgage & Debt Snapshot
We gather details about your existing mortgage, debts, income, and goals so we can see the full picture.
Scenario Design & Comparison
We compare “stay as you are” with one or more refinancing, consolidation, or equity-take-out options, including costs and timelines.
Risk & Trade-Off Discussion
Together, we talk through pros, cons, and what each option means for your cash flow and long-term plans.
Decision & Implementation
If refinancing or equity access makes sense, we move ahead with lender selection, application support, and documentation.
Ongoing Check-Ins as Life Evolves
As rates, income, or life circumstances change, we can revisit your structure and adjust when beneficial.
Why Homeowners Trust Mortgage Art for Refinancing & Equity
Deep Lending Insight
Sepi has worked on the inside of Canada’s banking and mortgage systems for many years, giving her a practical understanding of how refinance and equity files are evaluated.
Award-Recognized Professionalism
Her prior banking career was recognized nationally for ethics, client focus, and performance—values she carries into every recommendation today.
Education-Driven Guidance
You’re walked through penalties, timelines, and long-term costs in plain language, so you understand not just what we recommend, but why.
Balanced, Not Pushy
Refinancing isn’t always the right move. If the numbers don’t work in your favour, you’ll hear that clearly—with alternative suggestions where possible.
Big-Picture Thinking
We consider your full financial story: future moves, retirement goals, children, business plans—not just the next renewal date.
Satisfied Clients
What Our Clients Say – Real Stories, Real Satisfaction
Frequently Asked Questions
When does refinancing usually make sense?
When the long-term savings or benefits outweigh penalties and costs—and support your broader financial goals.
Will refinancing always lower my payment?
Not always. It can, but you might choose to keep payments similar and shorten your payoff time instead.
Is consolidating debt into my mortgage always a good idea?
No. It can help, but only if you address spending habits and have a plan to avoid rebuilding high-interest balances.
How much equity can I typically access from my home?
It depends on your property value, existing mortgage balance, lender guidelines, and your income/credit profile.
How do I start the conversation?
Share your current mortgage details, debts, and goals—we’ll run the numbers and walk you through your options.
Ready to Explore Your Refinancing & Equity Options?
You don’t need to guess whether refinancing, consolidating, or accessing equity is right for you. You deserve a clear, honest breakdown tailored to your life—not a generic answer.
Let’s review where you are today and design a mortgage that supports where you want to go next.