Refinance, Renewal,

Switch/Transfer

Buying your First Home or an Investment Property,

We have you covered!

Refinance • Renewal • Switch/Transfer

Keep more cash in your pocket and stay ahead of rising rates by

letting Miibroker re-shop your mortgage across Ontario's top lenders.

1) Refinance

Goal: Tap equity, consolidate debt, or change amortization.

2) Renewal

Goal: Negotiate a better rate/term when your term expires.

3) Switch / Transfer

Goal: Move to a new lender for better rates/features.

New Low Mortgage Rates Everyday

Documentation Checklist

2+ yrs self-employed:

2yrs Personal NOAS & Tls, 2 yrs

Financials (incorporated) Corporate

T2s, rent rolls

12-24mos self-employed: 1

2 mos business bank statements, current year interim financials, CPA income-projection letter Signed contracts or invoices showing future revenue

<12mos self-employed:

6mos business deposits, detailed business plan, larger down payment proof Guarantor income or secondary salaried income

Quick Tip: Even at under two years, a solid credit score (>680)+10-20% down and clear growth trajectory can unlock near-prime rates with certain lenders.

Our Process

Penalty & Savings Analysis (24 hrs)

We calculate break-even versus staying put.

Rate-Shop & Approval (48 hrs)

We Canvass banks, credit unions, and monolines.

Legal & Funding

We coordinate lawyers, discharge payouts, and registration.

Legal & Funding

We review rates, equity, and goals each year—free of charge.

Information accurate as of May 2 2025; lending criteria subject to change and to individual lender approval. Ontario residents only.

Working for you, not the Banks

Markets Served: Serving Toronto and Surrounding Area

Serving Toronto and surrounding areas, I provide expert Mortgage solutions purchases, refinances, renewals, and more. Get a free quote today and experience service focused on your goals, not the lenders

Skip the traditional bank hurdles! Tell us a bit about your business and homebuying goals below. Our miibroker specialists know how to leverage your unique financial profile to secure the most competitive self-employed mortgage rates available.

How can we help you with your mortgage? *

When are you renewing your mortgage? *

What is the property type? *

Detached / Semi / Townhome

Condo

Multi-family (2-4 units)

Other

What is your current property value? (CAD$) *

☝ If you were to sell your property tomorrow, what fair price would you get for it. You can skip this step if you dont know

What is your remaining mortgage balance? (CAD$) *

☝ The smaller your mortgage balance is relative to your property value, the better the rates will be. We will calculate this ratio to filter rates presented to you.

Who is your current mortgage lender? *

☝ We will use this information to estimate your penalty if you were to renew early. Each lender uses its own calculation method.

Is your mortgage insured by the CMHC, Genworth Canada or Canada Guarantee? *

☝ Your mortgage is likely insured if you purchased with less than 20% downpayment.

First Name *

Last Name *

Mobile Phone No. (+1) *

This will be your password is sent so check its entered correctly

By checking this box, I consent to receive transactional messages related to my account, orders, or services I have requested. These messages may include appointment reminders, order confirmations, and account notifications among others. Message frequency may vary. Message & Data rates may apply.Reply HELP for help or STOP to opt-out.

By checking this box, I consent to receive marketing and promotional messages, including special offers, discounts, new product updates among others. Message frequency may vary. Message & Data rates may apply. Reply HELP for help or STOP to opt-out.

Email *

What do People say to us?

★ ★ ★ ★ ★

I would just like to personally thank you in regards to our latest Mortgage renewal, you made the entire process smooth and painless. We will definitely be using your services again.

Karen

★ ★ ★ ★ ★

The automation capabilities are incredible. We've saved countless hours and Thank you so much for all your care, attention to details and hard work. The pre approval process really help make our first time home purchase a breeze! improved our customer engagement significantly.

Mina

★ ★ ★ ★ ★

I just want to say thanks. From the first phone call to the end of the process you made things seem easy. Thanks again for everything.

Samir

★ ★ ★ ★ ★

Got me a mortgage when all other places rejected me. Ben worked tirelessly to get me approved. Will always be grateful for their help! A+++

Mohammad Hendesi

★ ★ ★ ★ ★

Highly recommended! They have unbelievable expertise in tax diversification. Miibroker provided asset protection and liquidity options that our traditional bank had never even mentioned to us. A total game-changer for our portfolio.

Kekzky 24

★ ★ ★ ★ ★

Transparent, quick, and highly reliable. There are no hidden surprises or unnecessary delays with Miibroker, which is exactly what I was looking for. It's a solid, trustworthy platform that gets the job done right.