{"id":13973,"date":"2022-10-18T20:32:12","date_gmt":"2022-10-19T00:32:12","guid":{"rendered":"https:\/\/invincible-neuron.flywheelsites.com\/?page_id=13973"},"modified":"2026-04-19T14:41:11","modified_gmt":"2026-04-19T18:41:11","slug":"refinance","status":"publish","type":"page","link":"https:\/\/skipthebank.ca\/mortgages\/refinance\/","title":{"rendered":"Refinance"},"content":{"rendered":"<section class=\"service-hero refinance-hero\">\n<div class=\"herobg\">\n    <img decoding=\"async\"\n      src=\"\/wp-content\/uploads\/2022\/10\/Group-27.png\"\n      alt=\"pink dots grid\"\n      class=\"pinkdots\"\n    \/>\n  <\/div>\n<div class=\"website-grid\">\n<div class=\"title-box\">\n<h1>\n        Mortgage<span class=\"orange-txt\"> Refinancing<br \/>\n        <\/span><br \/>\n      <\/h1>\n<p>\n       We are committed to offering innovative financial mortgage solutions that empower individuals to manage and restructure their existing debt effectively. Refinancing your existing mortgage can be a good idea to explore if you want to access your home equity, consider different mortgage terms, obtain a fixed rate mortgage, or utilize a cash-out refinance. You can save money and reach your financial objectives with our refinance solutions!\n      <\/p>\n<p>      <a href=\"\/contact-us\/\"><button class=\"btn-orange\">Contact Us<\/button><\/a>\n    <\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"service-context self-context\">\n<div class=\"website-grid\">\n<div class=\"icons-box\">\n      <i class=\"fa-duotone fa-money-bills\"><\/i><\/i><\/p>\n<p>Increase Your Cash Flow<\/p>\n<\/p><\/div>\n<div class=\"icons-box\">\n        <i class=\"fa-duotone fa-piggy-bank\"><\/i><\/p>\n<p>Pay Less on Interest<\/p>\n<\/p><\/div>\n<div class=\"context-box\">\n<p class=\"pretitle\">Remortgage<\/p>\n<h2>What is <span class=\"orange-txt\">Refinancing?<\/span><\/h2>\n<p>Refinancing replaces your existing mortgage with a new loan, often to secure a lower interest rate, reduce monthly payments, or access home equity for other expenses. Refinancing is ideal if you&#8217;ve had changes in income or are planning for maternity leave, helping maintain financial stability. <\/p>\n<p>If you have a second mortgage or want better terms, refinancing can help pay it off while saving money. Even if your lender has declined your request, we offer tailored refinance mortgage solutions to fit your needs.\n<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"service-help self-help newservicehelp\">\n<div class=\"website-grid\">\n<div class=\"col-12 helpform-box\">\n<h3>Get a Free Consultation<\/h3>\n<script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\nvar gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),document.addEventListener(\"gform\/theme\/scripts_loaded\",function(){gform.themeScriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,themeScriptsLoaded:!1,isFormEditor:()=>\"function\"==typeof InitializeEditor,callIfLoaded:function(o){return!(!gform.domLoaded||!gform.scriptsLoaded||!gform.themeScriptsLoaded&&!gform.isFormEditor()||(gform.isFormEditor()&&console.warn(\"The use of gform.initializeOnLoaded() is deprecated in the form editor context and will be removed in Gravity Forms 3.1.\"),o(),0))},initializeOnLoaded:function(o){gform.callIfLoaded(o)||(document.addEventListener(\"gform_main_scripts_loaded\",()=>{gform.scriptsLoaded=!0,gform.callIfLoaded(o)}),document.addEventListener(\"gform\/theme\/scripts_loaded\",()=>{gform.themeScriptsLoaded=!0,gform.callIfLoaded(o)}),window.addEventListener(\"DOMContentLoaded\",()=>{gform.domLoaded=!0,gform.callIfLoaded(o)}))},hooks:{action:{},filter:{}},addAction:function(o,r,e,t){gform.addHook(\"action\",o,r,e,t)},addFilter:function(o,r,e,t){gform.addHook(\"filter\",o,r,e,t)},doAction:function(o){gform.doHook(\"action\",o,arguments)},applyFilters:function(o){return gform.doHook(\"filter\",o,arguments)},removeAction:function(o,r){gform.removeHook(\"action\",o,r)},removeFilter:function(o,r,e){gform.removeHook(\"filter\",o,r,e)},addHook:function(o,r,e,t,n){null==gform.hooks[o][r]&&(gform.hooks[o][r]=[]);var d=gform.hooks[o][r];null==n&&(n=r+\"_\"+d.length),gform.hooks[o][r].push({tag:n,callable:e,priority:t=null==t?10:t})},doHook:function(r,o,e){var t;if(e=Array.prototype.slice.call(e,1),null!=gform.hooks[r][o]&&((o=gform.hooks[r][o]).sort(function(o,r){return o.priority-r.priority}),o.forEach(function(o){\"function\"!=typeof(t=o.callable)&&(t=window[t]),\"action\"==r?t.apply(null,e):e[0]=t.apply(null,e)})),\"filter\"==r)return e[0]},removeHook:function(o,r,t,n){var e;null!=gform.hooks[o][r]&&(e=(e=gform.hooks[o][r]).filter(function(o,r,e){return!!(null!=n&&n!=o.tag||null!=t&&t!=o.priority)}),gform.hooks[o][r]=e)}});\n\/* ]]> *\/\n<\/script>\n\n                <div class='gf_browser_gecko gform_wrapper gform_legacy_markup_wrapper gform-theme--no-framework' data-form-theme='legacy' data-form-index='0' id='gform_wrapper_6' ><form method='post' enctype='multipart\/form-data'  id='gform_6'  action='\/index.php?rest_route=%2Fwp%2Fv2%2Fpages%2F13973' data-formid='6' novalidate>\n                        <div class='gform-body gform_body'><ul id='gform_fields_6' class='gform_fields top_label form_sublabel_below description_below validation_below'><li id=\"field_6_14\" class=\"gfield gfield--type-honeypot gform_validation_container field_sublabel_below gfield--has-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_6_14'>X\/Twitter<\/label><div class='ginput_container'><input name='input_14' id='input_6_14' type='text' value='' autocomplete='new-password'\/><\/div><div class='gfield_description' id='gfield_description_6_14'>This field is for validation purposes and should be left unchanged.<\/div><\/li><li id=\"field_6_10\" class=\"gfield gfield--type-text gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_6_10'>Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_10' id='input_6_10' type='text' value='' class='large'   tabindex='99' placeholder='Name *' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/li><li id=\"field_6_3\" class=\"gfield gfield--type-email gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_6_3'>Email<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_email'>\n                            <input name='input_3' id='input_6_3' type='email' value='' class='large' tabindex='100'  placeholder='Email *' aria-required=\"true\" aria-invalid=\"false\"  \/>\n                        <\/div><\/li><li id=\"field_6_12\" class=\"gfield gfield--type-phone gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_6_12'>Phone<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_phone'><input name='input_12' id='input_6_12' type='tel' value='' class='large' tabindex='101' placeholder='Phone *' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/li><li id=\"field_6_13\" class=\"gfield gfield--type-textarea gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_6_13'>Message<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_textarea'><textarea name='input_13' id='input_6_13' class='textarea small' tabindex='102'   placeholder='Tell us how we can help... *' aria-required=\"true\" aria-invalid=\"false\"   rows='10' cols='50'><\/textarea><\/div><\/li><\/ul><\/div>\n        <div class='gform-footer gform_footer top_label'> <input type='submit' id='gform_submit_button_6' class='gform_button button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='submit' value='Contact Us' tabindex='103' \/> \n            <input type='hidden' class='gform_hidden' name='gform_submission_method' data-js='gform_submission_method_6' value='postback' \/>\n            <input type='hidden' class='gform_hidden' name='gform_theme' data-js='gform_theme_6' id='gform_theme_6' value='legacy' \/>\n            <input type='hidden' class='gform_hidden' name='gform_style_settings' data-js='gform_style_settings_6' id='gform_style_settings_6' value='[]' \/>\n            <input type='hidden' class='gform_hidden' name='is_submit_6' value='1' \/>\n            <input type='hidden' class='gform_hidden' name='gform_submit' value='6' \/>\n            \n            <input type='hidden' class='gform_hidden' name='gform_currency' data-currency='USD' value='BNRBEf7dabYOVPeLkoViIQuDknec3f6e+ANJvDRTNOshiUweRWpMpxncidJ3hV+C9oQuNSJqydB2DK8wC8zKzhFzpIy1El0oQhUGKnEtI0702Mo=' \/>\n            <input type='hidden' class='gform_hidden' name='gform_unique_id' value='' \/>\n            <input type='hidden' class='gform_hidden' name='state_6' value='WyJbXSIsImMwZGNjMTA5ZWM0MzlkNTJlNTFkYzFmNGQ5ZWZjZTkyIl0=' \/>\n            <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_target_page_number_6' id='gform_target_page_number_6' value='0' \/>\n            <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_source_page_number_6' id='gform_source_page_number_6' value='1' \/>\n            <input type='hidden' name='gform_field_values' value='' \/>\n            \n        <\/div>\n                        <input type=\"hidden\" id=\"ct_checkjs_35cf8659cfcb13224cbd47863a34fc58\" name=\"ct_checkjs\" value=\"0\" \/><script >setTimeout(function(){var ct_input_name = \"ct_checkjs_35cf8659cfcb13224cbd47863a34fc58\";if (document.getElementById(ct_input_name) !== null) {var ct_input_value = document.getElementById(ct_input_name).value;document.getElementById(ct_input_name).value = document.getElementById(ct_input_name).value.replace(ct_input_value, '76fbfa06cdd5258d5d672f52e96e341b632acb0911dc98fabc9f4d0c3fd98646');}}, 1000);<\/script><input\n                    class=\"apbct_special_field apbct_email_id__gravity_form\"\n                    name=\"apbct__email_id__gravity_form\"\n                    aria-label=\"apbct__label_id__gravity_form\"\n                    type=\"text\" size=\"30\" maxlength=\"200\" autocomplete=\"off\"\n                    value=\"\"\n                \/><\/form>\n                        <\/div><script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\n gform.initializeOnLoaded( function() {gformInitSpinner( 6, 'https:\/\/skipthebank.ca\/wp-content\/plugins\/gravityforms\/images\/spinner.svg', true );jQuery('#gform_ajax_frame_6').on('load',function(){var contents = jQuery(this).contents().find('*').html();var is_postback = contents.indexOf('GF_AJAX_POSTBACK') >= 0;if(!is_postback){return;}var form_content = jQuery(this).contents().find('#gform_wrapper_6');var is_confirmation = jQuery(this).contents().find('#gform_confirmation_wrapper_6').length > 0;var is_redirect = contents.indexOf('gformRedirect(){') >= 0;var is_form = form_content.length > 0 && ! is_redirect && ! is_confirmation;var mt = parseInt(jQuery('html').css('margin-top'), 10) + parseInt(jQuery('body').css('margin-top'), 10) + 100;if(is_form){jQuery('#gform_wrapper_6').html(form_content.html());if(form_content.hasClass('gform_validation_error')){jQuery('#gform_wrapper_6').addClass('gform_validation_error');} else {jQuery('#gform_wrapper_6').removeClass('gform_validation_error');}setTimeout( function() { \/* delay the scroll by 50 milliseconds to fix a bug in chrome *\/  }, 50 );if(window['gformInitDatepicker']) {gformInitDatepicker();}if(window['gformInitPriceFields']) {gformInitPriceFields();}var current_page = jQuery('#gform_source_page_number_6').val();gformInitSpinner( 6, 'https:\/\/skipthebank.ca\/wp-content\/plugins\/gravityforms\/images\/spinner.svg', true );jQuery(document).trigger('gform_page_loaded', [6, current_page]);window['gf_submitting_6'] = false;}else if(!is_redirect){var confirmation_content = jQuery(this).contents().find('.GF_AJAX_POSTBACK').html();if(!confirmation_content){confirmation_content = contents;}jQuery('#gform_wrapper_6').replaceWith(confirmation_content);jQuery(document).trigger('gform_confirmation_loaded', [6]);window['gf_submitting_6'] = false;wp.a11y.speak(jQuery('#gform_confirmation_message_6').text());}else{jQuery('#gform_6').append(contents);if(window['gformRedirect']) {gformRedirect();}}jQuery(document).trigger(\"gform_pre_post_render\", [{ formId: \"6\", currentPage: \"current_page\", abort: function() { this.preventDefault(); } }]);        if (event && event.defaultPrevented) {                return;        }        const gformWrapperDiv = document.getElementById( \"gform_wrapper_6\" );        if ( gformWrapperDiv ) {            const visibilitySpan = document.createElement( \"span\" );            visibilitySpan.id = \"gform_visibility_test_6\";            gformWrapperDiv.insertAdjacentElement( \"afterend\", visibilitySpan );        }        const visibilityTestDiv = document.getElementById( \"gform_visibility_test_6\" );        let postRenderFired = false;        function triggerPostRender() {            if ( postRenderFired ) {                return;            }            postRenderFired = true;            gform.core.triggerPostRenderEvents( 6, current_page );            if ( visibilityTestDiv ) {                visibilityTestDiv.parentNode.removeChild( visibilityTestDiv );            }        }        function debounce( func, wait, immediate ) {            var timeout;            return function() {                var context = this, args = arguments;                var later = function() {                    timeout = null;                    if ( !immediate ) func.apply( context, args );                };                var callNow = immediate && !timeout;                clearTimeout( timeout );                timeout = setTimeout( later, wait );                if ( callNow ) func.apply( context, args );            };        }        const debouncedTriggerPostRender = debounce( function() {            triggerPostRender();        }, 200 );        if ( visibilityTestDiv && visibilityTestDiv.offsetParent === null ) {            const observer = new MutationObserver( ( mutations ) => {                mutations.forEach( ( mutation ) => {                    if ( mutation.type === 'attributes' && visibilityTestDiv.offsetParent !== null ) {                        debouncedTriggerPostRender();                        observer.disconnect();                    }                });            });            observer.observe( document.body, {                attributes: true,                childList: false,                subtree: true,                attributeFilter: [ 'style', 'class' ],            });        } else {            triggerPostRender();        }    } );} ); \n\/* ]]> *\/\n<\/script>\n<\/div>\n<div class=\"col-12 newhelp-box\">\n<p class=\"pretitle\">Refinancing<\/p>\n<h2>We Can Help You!<\/h2>\n<p>\n        Looking for a financial reset? We specialize in mortgage refinancing and debt consolidation, helping you reduce monthly payments, secure a lower interest rate, and access your home equity. Refinancing your mortgage to consolidate debt is a smart financial strategy that helps manage debt effectively while improving cash flow.\n      <\/p>\n<p>\n        Even if you have a low credit score or a challenging credit history, we offer trusted private mortgage solutions from reputable lenders. Our team provides personalized refinance mortgage options to help you regain control, reduce financial stress, and build a stronger financial future.\n      <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<div class=\"faqSectionHeading\">\n<p class=\"center-txt pretitle\">FAQ<\/p>\n<h2 class=\"center-txt\">Answers to Our Most Frequently Asked Questions<\/h2>\n<\/div>\n<section class=\"faqLGrey\">\n<div class=\"website-grid\">\n<div class=\"faqFlexRow faqRefinance\">\n<div class=\"faqCard faqFlexCol\">\n<p class=\"faqCardNumber\">01<\/p>\n<h2>Why Would I Want to Refinance my Mortgage?<\/h2>\n<p class=\"faqCardMain\">By lowering your monthly mortgage payment through refinancing, you can free up extra cash each month. This improves your cash flow, giving you more breathing room to manage other expenses and achieve your financial goals.<\/p>\n<div class=\"faqCardImageandLink\">\n          <img decoding=\"async\" src=\"\/wp-content\/uploads\/2024\/05\/faq4.png\" alt=\"\" class=\"faqCardImage\" \/><br \/>\n          <a href=\"https:\/\/go.oncehub.com\/SkiptheBank?dt=&#038;bt=1&#038;Lightbox=1&#038;openedThroughBtn=1&#038;Si=1&#038;soskip=0\" target=\"_blank\" class=\"faqCardLink\" rel=\"noopener\">Book Consultation<\/a>\n        <\/div>\n<\/p><\/div>\n<div class=\"faqCard faqFlexCol\">\n<p class=\"faqCardNumber\">02<\/p>\n<h2>Is Refinancing a Good Option for me?<\/h2>\n<p class=\"faqCardMain\">\n          Refinancing can be smart if you have high-interest debt or tight finances.<\/p>\n<p>          It can lower your monthly payment, freeing up cash flow.\n        <\/p>\n<div class=\"faqCardImageandLink\">\n          <img decoding=\"async\" src=\"\/wp-content\/uploads\/2024\/05\/faq5and24.png\" alt=\"\" class=\"faqCardImage\" \/><br \/>\n          <a href=\"https:\/\/go.oncehub.com\/SkiptheBank?dt=&#038;bt=1&#038;Lightbox=1&#038;openedThroughBtn=1&#038;Si=1&#038;soskip=0\" target=\"_blank\" class=\"faqCardLink\" rel=\"noopener\">Book Consultation<\/a>\n        <\/div>\n<\/p><\/div>\n<div class=\"faqCard faqFlexCol\">\n<p class=\"faqCardNumber\">03<\/p>\n<h2>What is a Home Equity Line of Credit<\/h2>\n<ul class=\"faqCardMain\">\n<li>Refinance when you mortgage renews.<\/li>\n<li>Refinance in the middle of the term of my mortgage.<\/li>\n<li>Refinance my rental property to access equity to purchase other properties or improve cash flow.<\/li>\n<\/ul>\n<div class=\"faqCardImageandLink\">\n          <img decoding=\"async\" src=\"\/wp-content\/uploads\/2024\/05\/faq6and14.png\" alt=\"\" class=\"faqCardImage\" \/><br \/>\n          <a href=\"https:\/\/go.oncehub.com\/SkiptheBank?dt=&#038;bt=1&#038;Lightbox=1&#038;openedThroughBtn=1&#038;Si=1&#038;soskip=0\" target=\"_blank\" class=\"faqCardLink\" rel=\"noopener\">Book Consultation<\/a>\n        <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"service-advantages self-advantages\">\n<div class=\"website-grid\">\n<h2>Advantages of Refinancing<\/h2>\n<div class=\"advantages-container\">\n<div class=\"advantages-col\">\n<h3>Lower Monthly Payments<\/h3>\n<hr>\n<\/hr>\n<p>By refinancing, you can lengthen the time your loan must be repaid, lowering your monthly payments and improving their manageability.<\/p>\n<\/p><\/div>\n<div class=\"advantages-col\">\n<h3>Debt Consolidation<\/h3>\n<hr>\n<\/hr>\n<p>Credit card debt and other high-interest debt can be effectively consolidated by refinancing into a single, lower-interest loan.<\/p>\n<\/p><\/div>\n<div class=\"advantages-col\">\n<h3>Lower Interest Rates<\/h3>\n<hr>\n<\/hr>\n<p>You can lower your monthly payments and save money over the course of your loan by refinancing in order to achieve a lower interest rate.<\/p>\n<\/p><\/div>\n<div class=\"advantages-col\">\n<h3>Access To Cash<\/h3>\n<hr>\n<\/hr>\n<p>If your house is worth more than it is currently worth, you might be able to refinance and get cash out to pay for renovations, debt relief, or other costs.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"service-reasons self-reasons\">\n<div class=\"website-grid\">\n<div class=\"col-12 reasons-box\">\n<h2>Reasons to Choose Skip the Bank&#8217;s Refinancing<\/h2>\n<ol>\n<li>Competitive Rates: You can save money throughout the course of your loan by taking advantage of our competitive interest rates.<\/li>\n<li>Dedicated Support: From application to funding, our team of knowledgeable financial professionals is available to assist you at every stage of the procedure.<\/li>\n<li>No Hidden Fees: We are transparent about our fees, and we don&#8217;t charge any hidden fees or prepayment penalties.<\/li>\n<\/ol>\n<p>At Skip the Bank, we are aware that refinancing may be a wise choice to help you reach your financial objectives. We can assist you whether you want to lower your monthly payments, consolidate debt, or have access to cash. Apply right away to start managing your funds!<\/p>\n<\/p><\/div>\n<div class=\"col-12 selfimage-box\">\n      <img decoding=\"async\" src=\"http:\/\/skipthebank.ca\/wp-content\/uploads\/2022\/09\/thumbnail.jpg\" alt=\"kids looking a skip the bank promotion\" class=\"full-img\" \/>\n    <\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"service-success self-success\">\n<div class=\"website-grid\">\n<p class=\"pretitle\">Mortgage Refinance<\/p>\n<h2>Real Success Stories<\/h2>\n<div class=\"flex-row story1\">\n<div class=\"success-img jill-img col-12\">\n        <img decoding=\"async\"\n          src=\"\/wp-content\/uploads\/2022\/10\/stb_0000_minh-2.png\"\n          alt=\"headshot photo of Mihn Lee\"\n        \/>\n      <\/div>\n<div class=\"success-box col-12\">\n<p>\n          Minh and Lee had a couple of tough years financially. Minh had lost her job during the pandemic and Lee was the only one working. They also had two children in post-secondary education. They had amassed about $100,000 in debts outside of their mortgage and were struggling. Although the balance on their mortgage was only<br \/>\n$250,000 and their house value was significant, they were using payday loan companies to keep up with everything. Finally, Lee asked a friend who they could talk to for some help financially. Their bank had already declined them for a consolidation loan.<\/p>\n<p>Minh and Lee\u2019s friend had some great experience with The Mortgage Centre \u2013 skipthebank.ca and was able to confidently refer to them as a trusted mortgage brokerage house. The Mortgage Centre helped them consolidate their debts with their mortgage into a short-term mortgage which allowed them to repair their credit history. In a year they were back to normal and were glad that they were able to manage. The best part of the process was that even though English was their second language, The Mortgage Centre was able to do an efficient job and completed things quickly for Minh and Lee.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"service-resources self-resources\">\n<div class=\"website-grid\">\n<h2>Mortgage Refinance Resources<\/h2>\n<div class=\"blog-entries\"><a href=\"https:\/\/skipthebank.ca\/why-bank-declined-your-mortgage\/\"><div class=\"blog-card\"><div class=\"blog-card-image\" style=\"background-image:url(https:\/\/skipthebank.ca\/wp-content\/uploads\/2019\/06\/MC_blog_1170x778_June2019-Getting-a-Mortgage-Pre-Approval.jpg)\"><\/div><p class=\"date\"><i class=\"fa-light fa-calendar\"><\/i>September 8, 2025<\/p><p class=\"title\">Why Your Bank Declined Your Mortgage and How We Can Help<\/p><p class=\"excerpt\">Getting declined for a mortgage by your bank can feel like a door slammed shut. You\u2019ve worked...<\/p><\/div><\/a><a href=\"https:\/\/skipthebank.ca\/three-factors-influence-mortgage-payments\/\"><div class=\"blog-card\"><div class=\"blog-card-image\" style=\"background-image:url(https:\/\/skipthebank.ca\/wp-content\/uploads\/2023\/11\/Nov-Blog-Photo-Skip-the-Bank-1.jpg)\"><\/div><p class=\"date\"><i class=\"fa-light fa-calendar\"><\/i>November 20, 2023<\/p><p class=\"title\">How a Lower Rate Doesn&#8217;t Always Equal a Lower Mortgage Payment<\/p><p class=\"excerpt\">When it comes to buying a new home or refinancing an existing mortgage, many people are eager...<\/p><\/div><\/a><a href=\"https:\/\/skipthebank.ca\/mortgage-rates-uncertainty-brings-opportunity\/\"><div class=\"blog-card\"><div class=\"blog-card-image\" style=\"background-image:url(https:\/\/skipthebank.ca\/wp-content\/uploads\/2022\/11\/Untitled-design.jpg)\"><\/div><p class=\"date\"><i class=\"fa-light fa-calendar\"><\/i>August 16, 2022<\/p><p class=\"title\">Mortgage Rates Fluctuating But Don\u2019t Panic &#8211; Uncertainty Brings Opportunity<\/p><p class=\"excerpt\">I was listening to a New York Times podcast on how inflation can be a self-perpetuating prophecy....<\/p><\/div><\/a><a href=\"https:\/\/skipthebank.ca\/reasons-why-working-with-the-right-mortgage-broker-is-important-the-mortgage-center\/\"><div class=\"blog-card\"><div class=\"blog-card-image\" style=\"background-image:url(https:\/\/skipthebank.ca\/wp-content\/uploads\/2022\/11\/resizedstbstb-6.jpg)\"><\/div><p class=\"date\"><i class=\"fa-light fa-calendar\"><\/i>June 15, 2022<\/p><p class=\"title\">Reasons Why Working with the Right Mortgage Broker is Important<\/p><p class=\"excerpt\">Who\u2019s taking care of your biggest asset\u2019s value \u2013 your home?\u00a0 With grumblings in the Toronto and...<\/p><\/div><\/a><\/div>\n<p>    <a href=\"\/blog\/\"><button class=\"btn-orange\">See All Posts<\/button><\/a>\n  <\/div>\n<\/section>\n<section class=\"ready-to-talk service-cta\">\n<div class=\"website-grid-small\">\n<p class=\"f48\">Ready to Talk?<\/p>\n<p class=\"f40\">\n      We\u2019ll help you get the mortgage<br \/>\n      that\u2019s perfect <b>for you.<\/b>\n    <\/p>\n<p>    <img decoding=\"async\"\n      class=\"rtt-logo\"\n      src=\"\/wp-content\/uploads\/2022\/10\/favicon_260x260-200x200-2-1.png\"\n      alt=\"\"\n    \/><br \/>\n    <img decoding=\"async\"\n      class=\"rtt-family\"\n      src=\"\/wp-content\/uploads\/2022\/10\/nathan-dumlao-Wr3comVZJxU-unsplash-1.png\"\n      alt=\"\"\n    \/>\n  <\/div>\n<div class=\"website-grid-small flex\">\n   <a href=\"http:\/\/skipthebank.ca\/contact-us\/\" target=\"_blank\" rel=\"noopener\"><button class=\"btn-black\">Book Consultation<\/button><\/a>\n  <\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>Mortgage Refinancing We are committed to offering innovative financial mortgage solutions that empower individuals to manage and&#8230;<\/p>\n","protected":false},"author":16,"featured_media":0,"parent":2718,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"Mortgage Refinancing Made Easy | Skip the Bank","_seopress_titles_desc":"Refinancing your mortgage can be a good idea to explore if you want to access your home equity. Learn how Skip The Bank can help.","_seopress_robots_index":"","footnotes":""},"class_list":["post-13973","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/pages\/13973","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/users\/16"}],"replies":[{"embeddable":true,"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/comments?post=13973"}],"version-history":[{"count":2,"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/pages\/13973\/revisions"}],"predecessor-version":[{"id":15735,"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/pages\/13973\/revisions\/15735"}],"up":[{"embeddable":true,"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/pages\/2718"}],"wp:attachment":[{"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/media?parent=13973"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}