Mortgage Refinance
Reset, Rebuild and Regain Control.
Reset your mortgage and take control of your finances — with expert guidance from Canada’s #1 ranked mortgage brokerage.
Credit card or line of credit debt?
This is your moment to reset—a fresh start.
A smart refinance can help you lower your rate, consolidate debt, and free up monthly cash flow — all using the equity you’ve already built in your home.
Mortgage refinancing is fast, flexible, and may be the most powerful financial move you make this year.
🔓 Unlock Elite Access. We’ll review your options — and show you what most borrowers never get to see.
🔓 Unlock Elite Access
🙌 Ready to Reset?
Happiness is your mortgage working for you — not the other way around.
📞 Call or 📩 book your Free Mortgage + Debt Review today and let’s explore your best options. 🔓 Unlock Elite Access
💡 Did You Know?
In 2025 and 2026, over 2 million Canadian homeowners — including more than 500,000 in the Greater Toronto Area— will face rising mortgage payments, expiring terms, and growing debt.
The good news? You may have more options than you think.
Thanks to increased lender competition and government-backed mortgage reforms, now is the perfect time to refinance your mortgage — not just to lower your rate, but to reset your financial path.
Fun Facts About Mortgage Architects & Dominion Lending Centres
A Decade of Strength – Mortgage Architects (MA) was acquired 10 years ago by Dominion Lending Centres Group (TSX: DLCG), the largest mortgage brokerage network in Canada and the #1-ranked mortgage originator with all of the country’s top 10 lenders.
A Trusted Brand – As a prominent brokerage within DLCG, Mortgage Architects has built a reputation for expert guidance, exclusive lender access, and top-tier mortgage solutions.
A True Juggernaut – Founded in 2006, DLCG boasts 8,500+ mortgage professionals across 500+ locations nationwide, funding $62 billion in mortgages annually—a powerhouse in Canadian home financing.
Tech-Driven Excellence – DLCG’s fintech platform, Velocity, revolutionizes the mortgage process by streamlining approvals, making home financing faster, smarter, and easier for Canadians.
More Choices, Better Rates – Our exclusive relationships with major banks, credit unions, and alternative lenders give you access to the best mortgage options tailored to your needs.
A Company That Gives Back – DLCG and Mortgage Architects support local communities across Canada, promoting financial literacy and helping families achieve homeownership.
Our experience and exclusive status work for YOU!
Our Simple, Expert-Guided 4-Step Mortgage Application Process
1️⃣ Get Started: Free Consultation—Contact Us!
2️⃣ Personalized Mortgage Strategy
3️⃣ Pre-Approval & Online Application
4️⃣ Lender Review and Approval
Essential Documents for a Smooth Mortgage Process
Providing all the required documents upfront ensures a smooth and efficient mortgage process. Below is a list of items we may require, depending on your specific situation:
✅ Property Details
To ensure a seamless mortgage application, we may need the following property-related details:
• Agreement of Purchase and Sale
• MLS Listing (if applicable)
• Contact information for your lawyer (name, address, phone, and email)
✅ Personal Identification
• Two pieces of government-issued ID for all applicants
✅ Income and Employment Verification
• Recent pay stub(s)
• Letter of employment (on company letterhead, stating salary, position, and length of employment)
• T4(s) and Notice of Assessment(s) (NOAs) for the last two years (for self-employed applicants)
✅ Down Payment & Financial Information
• Proof of down payment (90-day history of savings/investments)
• Gift letter (if applicable) along with supporting bank statement
• Void cheque or pre-authorized payment form
• Copy of home insurance policy
Additional Requirements: Depending on the property and lender, an appraisal may be required.
What You Can Expect from Us:
At Mortgage Architects, we are committed to understanding your needs today while helping you achieve your long-term financial goals. Our team works diligently to match you with the right mortgage solution. With access to over 50 lending institutions—including major banks, credit unions, and exclusive alternative lenders available only through licensed mortgage agents—we secure the best financing options tailored to your unique situation.
Our Commitment to You:
• We simplify the mortgage process and provide clear guidance every step of the way.
• We advocate on your behalf to get the best possible mortgage terms.
• We stay connected even after your mortgage closes, providing ongoing advice as your financial needs evolve.
Frequently Asked Questions
1️⃣ Can I refinance if my mortgage isn’t up for renewal?
✅ Answer: Yes — even if you’re mid-term, you can refinance early. There may be a penalty, but I’ll calculate if the long-term savings make it worthwhile.
2️⃣ What’s the difference between a renewal, switch, and refinance?
✅ Answer:
• Renewal = same lender, new term
• Switch = new lender, same balance
• Refinance = new lender + new balance (e.g., to consolidate debt or access equity)
3️⃣ Will refinancing hurt my credit score?
✅ Answer: Only slightly — a credit check may cause a small dip, but if you reduce your debts, your score often improves over time.
4️⃣ Can I use my home equity to pay off debt?
✅ Answer: Absolutely. That’s one of the smartest reasons to refinance. You can replace high-interest credit cards and loans with a low-rate mortgage.
5️⃣ How much does it cost to refinance?
✅ Switches are often no cost. Refinancing may include legal or appraisal fees — but these can often be covered by the lender or rolled into your new mortgage.
6️⃣ How long does it take?
✅ Answer: Most refinances are completed within 15–20 business days.
✔ Lower your interest rate and reduce monthly payments
✔ Secure better terms (flexible prepayment options, lower fees)
✔ Avoid costly refinancing while still benefiting from better lender options
A quick consultation will help you determine if switching saves you money—fill out the form today!
7️⃣ Is now a good time to refinance?
✅ Answer: Yes. Lender competition is high, and mortgage reforms have opened new doors. Act early to protect yourself from rising rates and missed opportunities.
Submit the form today for a FREE consultation with a licensed mortgage agent at Canada’s #1 mortgage brokerage and award-winning team in Toronto.
Matthew Dobson #M24003077
Mortgage Agent Level 1
Mortgage Architects #12728
c: 416-342-3952
e: md@mortgagearchitectsgta.ca
MA Mortgage Architects Inc.
5675 Whittle Road
Mississauga, ON L4Z 3P6