Take Control of Your Mortgage

Whether you're lowering your rate, accessing equity, or adjusting your term, refinancing puts you in charge of your financial future.

Explore Refinance Options

Reshape Your Mortgage

Refinance with Clarity and Purpose

Let’s optimize your mortgage to better suit your current goals, lifestyle, and financial situation.

Reduce Your Rate

Lower your interest rate and potentially save thousands over the life of your mortgage.

Access Your Equity

Tap into your home’s value for renovations, investments, or debt consolidation—on your terms.

Customize Your Terms

Switch from variable to fixed (or vice versa), adjust your amortization, or restructure your mortgage to fit your evolving needs.

Make Refinancing Work for You

Unlock better terms, improved cash flow, or the freedom to invest—refinancing is a strategic move when done right.

Maximize your monthly cash flow by locking in a better rate or adjusting your payment structure.

Consolidate high-interest debts into one manageable mortgage payment.

Access home equity to fund renovations, investments, or other financial goals—without starting from scratch.

What Our Clients say!

Read what our clients have to say

Justin Chausse gets results PERIOD! As a single mom of two I needed a mortgage ASAP and Justin went above and beyond to guide me through each step. It was not an easy process, but Justin made me feel comfortable and confident at a time when I needed it the most. Justin is smart, dedicated, kind and easy to work with. I highly recommend working with Justin Chausse and encourage you to ask him the hard questions. He will find the answers and knows how to communicate them effectively.

Kate Carnegie

Wow! From the moment we reached out to Justin to the final signing, he provided exceptional service, above and beyond our expectations. We were very impressed with his introductory video and budget overview with a variety of options. He even tweaked our budget often (we had a lot of scenarios we wanted to run through) and answered every question timely and thoroughly. Justin also provided us with informed guidance to help us navigate what would be best for our needs. We highly recommend Justin. He will wow you too!

Alicia Merry

Justin is amazing! I have a unique situation being Self-Employed and he help me navigate my way through the daunting process. Whenever I had any questions he would answer them directly and honestly and he truly calm me down when I was spiralling with anxiety. I recommend him to all my friends and clients! Thank you, Justin, for making this process so much easier!!!! 🙏

Helena S

As a first-time investor in the real estate market, I was quite apprehensive about the entire mortgage process. Thankfully, I had the great fortune of working with Justin Chausse, a highly knowledgeable and dedicated mortgage broker who provided me with exceptional guidance and support throughout.

Adam Walker

As initial homebuyers, I never anticipated the stress that comes with acquiring your first house. Nevertheless, Justin guided us through the process, providing support and advice even during challenging moments. His excellent work and personal qualities make him highly recommended!

Iryna Rybchak

Justin provides top notch service. Detail oriented, knowledgeable and a high level of commitment was demonstrated. Would definitely recommend.

Phil Stouffer

Refinance with Confidence

If you're balancing multiple loans, streamlining them through Debt Consolidation in Ontario can provide relief and lower monthly costs. At Chausse Mortgages, we structure personalized solutions to align your payments under one manageable plan.

Our Mortgage Refinancing Service in Canada is designed to help you access better terms, whether you're aiming to shorten your loan term, reduce your interest rate, or tap into home equity for personal goals. With our tailored Mortgage Refinancing Service, Ontario homeowners benefit from competitive offers backed by strong lender relationships and a clear, client-first process.

Debt Consolidation Loans Canada are available for those ready to regain control over their finances. By consolidating unsecured debts into a single, lower-interest mortgage, you can reduce financial stress and plan for the future with confidence. We also offer smart solutions in Debt Consolidation for Bad Credit, helping clients rebuild their financial profile while improving monthly cash flow.

For those comparing options, we connect you with the Best Mortgage Rates In Ontario, transparent, fair, and matched to your unique goals. Stay informed with current Mortgage Rates In Ontario through our expert insights and lender network ensuring you're never overpaying for your home loan.

Chausse Mortgages Refinancing made simple, strategic, and personalized to move you forward.

FAQs

Find answers to commonly asked questions about mortgages.

Why would I refinance my mortgage?

Homeowners refinance to access equity, consolidate debt, take advantage of lower interest rates, or change their mortgage terms (like switching from variable to fixed).

How much equity do I need to refinance?

Generally, you can refinance up to 80% of your home’s appraised value, minus what you still owe on your mortgage.

Does refinancing affect my credit score?

It can, but typically only slightly. A credit check is required during the refinance process, which can cause a small temporary dip in your score.

What is mortgage refinancing in Ontario?

When you refinance your mortgage, you get a new loan to pay off your old one. It can help you get a lower interest rate, use your home's wealth, or combine multiple debts into one easy-to-handle payment.

When should I consider refinancing my mortgage?

When interest rates go down, your credit gets better, or you need money for home improvements, investments, or paying off debt, you might want to refinance. It is possible to save money when you choose the right time.

Does refinancing extend my mortgage term?

It may or may not happen. A longer term can lower payments for some, while a shorter term can help them pay off their mortgage faster. They can help you decide.

Will I pay penalties for refinancing early?

Sure, maybe. You might have to pay a fee if you break your present mortgage before the term is over. Your broker can figure out if the saves are greater than the costs.

Can I refinance with bad credit in Ontario?

Yes. Alternative lenders in Ontario offer mortgage refinancing services and will work with people who have bad credit. You may be approved based on the value of your home, your income, and your debts.

How much equity do I need to refinance?

To be able to refinance, you usually need at least 20% value in your home. Depending on your general situation, some private lenders may be willing to give you more flexible terms.

How long does the refinancing process take?

It is said to take about 7-3 weeks. From the application to the appraisal to approval and close, your broker will be there to help you and make sure everything goes smoothly.