Mortgage Refinance Broker in the GTA
Lower your rate, pull equity, or restructure your debt — without getting stuck in the wrong product.
Refinancing your mortgage is one of the biggest financial moves you’ll make. Done right, it drops your rate, unlocks cash for renovations or investments, or consolidates higher-interest debt into one clean payment. Done wrong, it costs you thousands in penalties and traps you in a product that doesn’t fit.
I’m Kevin Singh Dhaliwal, a GTA-based mortgage broker with 12+ years of experience and access to every major bank, credit union, monoline lender, and a deep private network. I’ll run the actual math on whether refinancing makes sense — and if it does, I’ll get you the sharpest rate available.
When Refinancing Makes Sense
- Your current rate is higher than today’s market rate and the penalty math works
- You want to pull equity for renovations, a down payment on another property, or an investment
- You’re consolidating credit card, line-of-credit, or other high-interest debt
- You’re coming off a fixed term and need to lock in the right product for the next 3–5 years
- Your income situation changed and you need to requalify with a broker who can place the file
- You want to switch from variable to fixed (or vice versa)
What I Can Refinance
- Residential mortgages (first, second, third)
- Owner-occupied and investment property refinances
- Equity takeouts up to 80% LTV through A lenders, higher with private
- Debt consolidation refinances with bruised credit
- Self-employed and non-traditional income refinances
- Commercial and multi-family property refinances
- Private to bank transitions (graduating out of a private mortgage)
Why Work With Me
- 12+ years as an active GTA mortgage broker
- Access to every major bank, credit union, and monoline lender — rates competed for your file
- Honest penalty math — I’ll tell you if breaking your mortgage actually costs more than it saves
- Private and alternative lender access for files banks won’t refinance
- Debt consolidation strategies that actually improve your monthly cash flow
- Plain-English advice, not a sales pitch
My Process
- Discovery call — 20 minutes, no cost. Tell me why you’re thinking about refinancing and what you want the new mortgage to do for you.
- Penalty + savings analysis — I run the exact numbers on your current mortgage penalty vs your projected savings so you see the real payoff.
- Lender matching — I shop your file to the lenders most likely to give you the best rate and terms.
- Approval and close — I stay with you through appraisal, conditions, and funding.