{"id":15721,"date":"2022-10-18T20:32:12","date_gmt":"2022-10-19T00:32:12","guid":{"rendered":"http:\/\/skipthebank.ca\/?page_id=15721"},"modified":"2026-04-06T22:31:50","modified_gmt":"2026-04-07T02:31:50","slug":"remortgage","status":"publish","type":"page","link":"https:\/\/skipthebank.ca\/mortgages\/remortgage\/","title":{"rendered":"Remortgage"},"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        Remortgage<span class=\"orange-txt\"> Your Home<\/span><br \/>\n      <\/h1>\n<p>\n        We are committed to helping homeowners across Guelph, Burlington, Oakville, and surrounding areas make smarter decisions at renewal time with flexible, forward-thinking mortgage solutions. Remortgaging your home is an ideal opportunity to reassess your current rate, explore better terms, consolidate debt, or access additional funds if your needs have changed. Whether you&#8217;re looking to lower your payments, switch lenders, or secure a more competitive rate, our solutions are designed to help you save money and stay aligned with your financial goals.\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><\/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>Secure Better Rates<\/p>\n<\/p><\/div>\n<div class=\"context-box\">\n<p class=\"pretitle\">Remortgage<\/p>\n<h2>What is <span class=\"orange-txt\">Remortgaging?<\/span><\/h2>\n<p>\n        A remortgage is when you replace your existing mortgage with a new one\u2014either with your current lender or a new lender\u2014to secure better terms, a lower interest rate, or improved flexibility. This typically happens at renewal, but can also be done mid-term depending on your goals.\n      <\/p>\n<p>\n        Remortgaging gives you the opportunity to restructure your finances, consolidate high-interest debt, or access equity in your home. Even if your current lender\u2019s offer isn\u2019t competitive, we help you explore better options tailored to your situation.\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() 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We specialize in remortgaging solutions that help you reduce monthly payments, secure better rates, and restructure your mortgage to fit your current needs. Whether you&#8217;re renewing, switching lenders, or accessing equity, we guide you every step of the way.\n      <\/p>\n<p>\n        Even if you have a low credit score or have been declined by your bank, we offer access to trusted lenders and flexible mortgage options. Our team provides personalized remortgage strategies to help you regain control, reduce financial stress, and move forward with confidence.\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 Should I Remortgage?<\/h2>\n<p class=\"faqCardMain\">\n          Remortgaging allows you to secure a better interest rate, reduce your monthly payments, or adjust your mortgage terms. It\u2019s also a great opportunity to consolidate debt or access equity while improving your overall financial position.\n        <\/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>When is the Best Time to Remortgage?<\/h2>\n<p class=\"faqCardMain\">\n          The most common time is at renewal, when your term ends.<\/p>\n<p>          However, you can also remortgage mid-term if the savings or benefits outweigh any penalties.\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 Can I Do With a Remortgage?<\/h2>\n<ul class=\"faqCardMain\">\n<li>Switch lenders for better rates and terms.<\/li>\n<li>Consolidate high-interest debt into one payment.<\/li>\n<li>Access home equity for renovations or investments.<\/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 Remortgaging<\/h2>\n<div class=\"advantages-container\">\n<div class=\"advantages-col\">\n<h3>Lower Monthly Payments<\/h3>\n<hr>\n<p>Secure better rates or extend your amortization to reduce your monthly financial burden.<\/p>\n<\/p><\/div>\n<div class=\"advantages-col\">\n<h3>Better Mortgage Terms<\/h3>\n<hr>\n<p>Adjust your mortgage to match your current lifestyle and financial goals with improved flexibility.<\/p>\n<\/p><\/div>\n<div class=\"advantages-col\">\n<h3>Debt Consolidation<\/h3>\n<hr>\n<p>Combine high-interest debts into your mortgage to simplify payments and reduce interest costs.<\/p>\n<\/p><\/div>\n<div class=\"advantages-col\">\n<h3>Access Home Equity<\/h3>\n<hr>\n<p>Use the equity in your home for renovations, investments, or other major expenses.<\/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 for Your Remortgage<\/h2>\n<ol>\n<li>Access to Multiple Lenders: We shop the market to find you the best rates and terms.<\/li>\n<li>Personalized Advice: We tailor solutions based on your financial goals\u2014not the bank\u2019s.<\/li>\n<li>Flexible Solutions: Even if you\u2019ve been declined elsewhere, we can help.<\/li>\n<\/ol>\n<p>\n        Whether you&#8217;re in Guelph, Burlington, Oakville, or surrounding communities, we help you make the most of your mortgage renewal or switch.\n      <\/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=\"\" 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\">Remortgage<\/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\" src=\"\/wp-content\/uploads\/2022\/10\/stb_0000_minh-2.png\" alt=\"\" \/>\n      <\/div>\n<div class=\"success-box col-12\">\n<p>\n          Amanda and Chris, a couple from Guelph, were nearing their mortgage renewal and feeling the pressure of rising rates. Their lender\u2019s renewal offer came in much higher than expected, which would have significantly increased their monthly payments.\n        <\/p>\n<p>\n          After speaking with Skip the Bank, they explored a remortgage strategy that involved switching lenders and consolidating some high-interest credit card debt. By restructuring their mortgage, they secured a more competitive rate and simplified their finances into one manageable payment.\n        <\/p>\n<p>\n          The result was improved monthly cash flow and less financial stress\u2014especially important with two young kids and rising household expenses. What started as a routine renewal turned into a smarter financial move that put them back in control.\n        <\/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>Remortgage 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\" class=\"rtt-logo\" src=\"\/wp-content\/uploads\/2022\/10\/favicon_260x260-200x200-2-1.png\" alt=\"\" \/><br \/>\n    <img decoding=\"async\" class=\"rtt-family\" src=\"\/wp-content\/uploads\/2022\/10\/nathan-dumlao-Wr3comVZJxU-unsplash-1.png\" alt=\"\" \/>\n  <\/div>\n<div class=\"website-grid-small flex\">\n    <a href=\"http:\/\/skipthebank.ca\/contact-us\/\" target=\"_blank\" rel=\"noopener\"><br \/>\n      <button class=\"btn-black\">Book Consultation<\/button><br \/>\n    <\/a>\n  <\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>Remortgage Your Home We are committed to helping homeowners across Guelph, Burlington, Oakville, and surrounding areas make&#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-15721","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/pages\/15721","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=15721"}],"version-history":[{"count":4,"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/pages\/15721\/revisions"}],"predecessor-version":[{"id":15729,"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/pages\/15721\/revisions\/15729"}],"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=15721"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}