Refinance Mortgage
Unlock Your Equity
Refinancing your Ontario mortgage can save you thousands in interest, free up cash for renovations, investments, or debt consolidation. Lez Gomez negotiates with 50+ lenders across Toronto, Mississauga, Hamilton, Ottawa, and all of Ontario to secure the absolute best refinance rate for your situation.
Benefits of Working With Us
Lez Gomez provides expert mortgage solutions tailored to your unique situation across Ontario.
Lower Your Interest Rate
Lez Gomez monitors the market daily to find refinance opportunities for Ontario homeowners. Even a 0.5% rate reduction on a $500K mortgage saves over $15,000 across your term. We compare 50+ lenders in Toronto, Mississauga, Hamilton, and province-wide.
Access Your Home Equity
Refinance up to 80% of your Ontario property's value. Use the cash for renovations, investments, education, or any purpose. Lez Gomez helps homeowners in Brampton, Vaughan, Oakville, Barrie, and across Ontario unlock their equity efficiently.
Consolidate High-Interest Debt
Roll credit cards, car loans, and lines of credit into your mortgage at a fraction of the interest rate. Lez Gomez has saved Ontario families in Toronto, Ottawa, Kitchener, and beyond thousands per year through strategic refinancing.
Switch Lenders at Renewal
Your mortgage renewal is the perfect time to negotiate. Lez Gomez ensures Ontario homeowners never accept their first renewal offer - we shop 50+ lenders to beat any rate whether you're in Markham, Burlington, Guelph, or London.
Penalty Analysis
Thinking about breaking your mortgage early? Lez Gomez calculates the exact penalty and determines if refinancing still saves you money net of costs. We provide transparent analysis for all Ontario property owners.
Fast Closings
Lez Gomez expedites refinance applications with lenders who understand urgency. Most Ontario refinances close within 2-4 weeks. We handle everything from appraisals to legal coordination across all Ontario communities.
Your Path to Approval
Lez Gomez makes the mortgage process seamless from application to closing.
Rate & Penalty Review
Call Lez Gomez at 416-723-1313. We review your current mortgage, calculate any penalties, and determine exactly how much you can save by refinancing your Ontario property.
Shop 50+ Lenders
Lez Gomez submits your file to the best-fit lenders. We negotiate aggressively on rate, terms, and conditions to maximize your savings whether you're in Toronto, Hamilton, or Sudbury.
Appraisal & Approval
We coordinate your property appraisal and manage all lender conditions. Lez Gomez handles the paperwork so you can focus on your life.
Close & Save
Your lawyer registers the new mortgage, pays out the old one, and you start saving immediately. Lez Gomez ensures a smooth transition for every Ontario refinance.
Do You Qualify?
Lez Gomez works with 50+ lenders across Ontario to find solutions even when banks say no. Here are the typical requirements:
Own a property in Ontario with sufficient equity (up to 80% LTV)
Current on your existing mortgage payments
Stable income to qualify for the new mortgage amount
Property appraisal meets or exceeds expected value
Credit score of 600+ for A-lenders (Lez Gomez has options for lower scores too)
Property is residential (1-4 units) located anywhere in Ontario
Willing to cover closing costs (legal fees, appraisal, potential penalties)
Lez Gomez can help even if you've been declined by your bank
Ready to Get Started?
Speak with Lez Gomez today for a free consultation and personalized mortgage solution.
Common Questions
When should I refinance my Ontario mortgage?
What are the penalties for breaking my mortgage?
Can Lez Gomez help me refinance with bad credit?
How much equity can I access through refinancing?
How long does a refinance take with Lez Gomez?
Lez Gomez: Ontario's Expert Mortgage Refinancing Agent
Lez Gomez has helped thousands of Ontario homeowners refinance their mortgages to lower rates, access equity, and consolidate debt. As a FSRA-licensed mortgage agent with 15+ years of experience and a 5-star Google rating, Lez Gomez provides comprehensive refinancing services across every Ontario community. Whether you own a condo in downtown Toronto, a detached home in Mississauga or Brampton, a townhouse in Hamilton or Burlington, or property anywhere from Ottawa to Windsor to Thunder Bay, Lez Gomez compares 50+ lenders to find the absolute best refinance solution. Our refinancing expertise covers rate-and-term refinances, cash-out refinances, debt consolidation refinances, and mortgage renewals with lender switches.
Ontario property values have appreciated significantly in recent years, creating substantial equity opportunities for homeowners in Toronto, the GTA, Hamilton-Niagara, Kitchener-Waterloo, Ottawa, and communities across the province. Lez Gomez helps you leverage this equity strategically - whether for home renovations that increase property value, investment opportunities, education funding, or consolidating high-interest consumer debt into a low-rate mortgage. We analyze your complete financial picture including current rate, remaining term, penalty costs, and future goals to recommend the optimal refinancing strategy. Contact Lez Gomez at 416-723-1313 for your free refinance analysis.
Lez Gomez Serves All of Ontario
As a licensed Ontario mortgage agent, Lez Gomez provides refinance mortgage services across every city and town in the province:
Greater Toronto Area
Hamilton, Niagara & Southwestern Ontario
Eastern Ontario
Central & Northern Ontario
All Other Ontario Communities
Other Mortgage Solutions by Lez Gomez
Ready to Secure Your Mortgage?
Lez Gomez is ready to help you find the perfect mortgage solution. Get a free consultation today.