Refinance Your Mortgage

Whether you want to reduce your interest rate to save money or take some of the hard-earned equity out of your house to make your lifestyle better, we can help you achieve your goals.


Refinancing and Debt Consolidation Solutions

Refinancing your mortgage means taking the existing equity in your home and getting a lower interest rate. This is a good idea when market conditions allow you to do so. By paying a lower interest rate, you can build up the equity in your home faster.

Debt consolidation is a way for you to combine all your debts into a single amount and pay it off in one low monthly payment. Refinancing debt is usually considered if you want to add the debt to your current mortgage, or to lower your overall payments or current interest rate(s). Consolidating your debts can help you obtain a better mortgage rate and give you more purchasing power.

How Ownest Helps

With our Ownest software, we can calculate which debt is best for you to pay off first. We can help increase your odds of getting a better deal and more flexibility in your mortgage, allowing you to save more of your hard-earned money.

2.36%5 Year Variable

75% of our clients consider this product a great fit. We find you a great rate with only a small possible payout penalty, and that increases your flexibility for the choice to change your mortgage down the road.

Ownest tailors the mortgage to you, not you to the mortgage. We find different terms and mortgages to suit your lifestyle. Click below to view other options.


See the Ownest difference. We aren’t like banks and brokers because we have your best interest at heart. Through our patented system, we’re able to give you the choice you deserve when selecting a lender for your mortgage. Watch this video and let us help you maximize your mortgage buying power.

  • Thank goodness we found the friendly people at Ownest. They found us a new mortgage at a lower rate and a payment we can afford. We are truly thankful.
    - Gina G.Calgary, AB
  • I’ve been in real estate for over 15 years and have never experienced this level of professionalism before. I now recommend all my clients to Ownest.
    - Bob S.Realtor, Edmonton AB
  • Ownest sent us a mortgage proposal that showed all the mortgages we qualified for. After discussing the many options with us we chose a 4 year term and feel we got a great rate.
    - Robert and Claire P.Richmond Hill, ON


We match you with the mortgage that suits your lifestyle, faster than our competitors can shop a single product.


Our technology scours all products and pricing to get you a yes now on the best deal for your mortgage. You pick only from the options you qualify for.


Backed by a team of financial experts, we’re always available to help you successfully cross the finish line to own your home. We make it simple. Ownestly!