Arash Sef – Mortgage Agent – Lic# M15002076 – Mortgage Associates Ontario Inc. Brokerage Lic #12340


9AM - 9PM. 7 Days A Week



Refinance Your Mortgage
Today & Access The Equity
Built Up In Your Home!



      Refinancing a Mortgage in Canada: Refinance Mortgage in Ontario, Toronto & Surrounding GTA Areas

      Refinance Mortgage Meaning: What is refinancing a mortgage?

      Mortgage refinance explained: Refinancing your mortgage is paying off your existing mortgage with the means of a new mortgage in order to access the equity built up in your home in Canada. People usually refinance their mortgage in Canada to lower other borrowing costs (such as debt) by taking advantage of a lower interest rate. Refinancing can help you consolidate debt or pay for other large expenses like home renovations, education, and more.

      Your financial situation, the state of the market, and even your home’s value can change between the time of your initial mortgage agreement and now. Smaller payments on interest is one the biggest reasons for refinancing your mortgage in Canada so that more money goes towards paying off the principal of your loan.

      There are many great reasons to refinance your mortgage.

      Refinancing can be a great solution for accessing home equity when you need to free up cash. There are several reasons why you may consider refinancing your mortgage, with the most popular including debt consolidation, funding renovations or purchasing another property.

      We can review your current mortgage to determine if a refinance makes sense for you, since breaking your mortgage early will result in a penalty. There’s no charge or obligation for a mortgage review, so it’s definitely worthwhile to weigh your options. If you discover that the cost to break your mortgage is too high, then you can wait until closer to your mortgage renewal date.

      There are times, however, when it makes sense to refinance right away. Life happens. And sometimes debt can get out of control. Refinancing your mortgage and freeing up money to pay off unsecured high-interest debt on your credit cards, lines of credit or loans can be a game changer for your financial future.

      Our refinance program allows homeowners to access equity in the home – up to 80% of your property value – while also lowering the interest rate.

      Renovating and upgrading your home will always result in your property value appreciating!

      Not sure if it’s a good time to refinance?

      Give us a call so we can learn the details of your unique situation and determine if refinancing your mortgage makes sense.

      Don’t worry about your credit! We can secure approvals for homeowners with good or bad credit.

      Refinance Your Mortgage in Canada. Refinancing for Good and Bad Credit.

      Reasons For Refinancing Your Mortgage

      ApprovedShould I refinance my mortgage in Canada? In Canada and Ontario, mortgage rates are adjusted and change regularly. It makes good sense to refinance your mortgage in Canada to get a lower rate and help save you money on interest over time. Given market conditions, your rates could be lower with Approved Equity. We have access to a diverse list of lenders – including, banks, credit unions, trust companies, and private funders! This enables us to offer low rates and flexible terms on your refinance.

      Consolidating Debt

      Interest rates on unsecured debt such as credit cards, loans, and lines of credit are typically much higher than the interest rate on your mortgage. For the majority of homeowners, therefore, it makes sense to use the equity built up your home to pay off all high-interest debt.

      Self-Employed Refinance Program

      We understand your problem! For entrepreneurs and business owners, mortgage approvals are often a challenge. This is because, as a self-employed person, it’s in your best interest to minimize your reported income so you pay less tax. Unfortunately, this can work against you when it comes time to apply for a mortgage, as income plays a large role.

      Fortunately, we have access to lenders that offer self-employed applicants mortgage approvals regardless of the amount of income declared on taxes. Self-employed mortgages are our expertise!

      If you’re self employed and need a mortgage, call us now or click here to

      Refinance Your Mortgage Today And Start Saving Immediately!

      Current Mortgage
      Refinance Mortgage
      Home Value: $600,000
      Home Value: $600,000
      Current Rate: 4.99%
      Refinance Rate: 2.6%
      $300,000 Mortgage @4.99% = $1,599/month
      $400,000 Mortgage @2.6% = $1,598/month
      $50,000 Credit Card Debt @ 20% = $833/month
      Credit Card Debt = Paid
      $25,000 Auto Loan @10% = $208/month
      Auto Loan = Paid
      $25,000 Store Card @29% = $604/month
      Store Card = Paid
      Total $3,244/month
      Total $1,598/month
      You Save $1,646/month!!!
      Current Mortgage
      Refinance Mortgage
      Home Value: $600,000
      Home Value: $600,000
      Current Rate: 4.99%
      Refinance Rate: 2.6%
      $300,000 Mortgage @4.99% = $1,599/month
      $400,000 Mortgage @2.6% = $1,598/month
      $50,000 Credit Card Debt @ 20% = $833/month
      Credit Card Debt = Paid
      $25,000 Auto Loan @10% = $208/month
      Auto Loan = Paid
      $25,000 Store Card @29% = $604/month
      Store Card = Paid
      Total $3,244/month
      Total $1,598/month
      You Save $1,646/month!!!

      From the first time I spoke to Arash Sef, I felt comfortable and at ease, and that was all due to his calm, patient, and non-judgemental personality.

      Arash is very knowledgeable and confident in his profession, and in my experience, delivered what he said he could, no empty promises, even though I had what I thought was a complicated file.

      If I had to go through this process again, I would definitely go to Arash because of his patience, knowledge, and the fact that he was with me every step of the way.

      Toronto, ON

      I would say that Arash was very efficient and gave excellent customer service was prompt with all his return calls and help while I was under pressure, in a reassuring fast service. I would recommend Arash to anybody looking for financial assistance.
      Debra R.
      Hamilton, ON.

      Thanks to Arash and Approved Equity Loans I was able to close my pre construction purchase. After the stress test, I was no longer qualified for the mortgage amount. Arash was still able to find me a lender that did not use to the stress test and got my mortgage approved!
      I will always be grateful for your help Arash.
      Joyce D. 
      Barrie, ON

      I wanted to take a moment to say thank you to Arash. Our mortgage was far from an easy one. However, he was able to assist us in one week. We came to Arash in panic, looking for a home equity loan as we were in a power of sale with current mortgage. We had missed 3 mortgage payments and we were afraid of losing our home.  Arash was efficient and made us feel extremely comfortable through out this process. His honesty was very noticeable.  He was successful in securing a secoand mortgage for us to pay off the missed payments on our first mortgage and we also consolidated all of our credit card debts.  His knowledge and experience was greatly appreciated. Thanks again for everything you did for us.
      Sally M. & John M.
      Oshawa, ON

      What a pleasant experience we had working with Arash at Approved Equity Loans. We contacted him for a short term home equity loan in order to pay off all of our high interest credit card debts. Arash made the process very understanding by explaining to us every step of the way. In a few words, I’d say that Arash was attentive, accessible and very knowledgeable. If anyone I know is looking for a home equity loan or mortgage, I wouldn’t hesitate to recommend Arash.
      Jim C & Alexandra C.
      Oakville, ON

      Arash, Thank you so much for helping us in such a timely manner, we couldn’t have done it without your help!!! Arash got us a second mortgage to assist with down payment of our new purchase. His work speaks for itself.  We will definitely refer to all of our family and friends.
      Sharlene M.
      Hamilton, ON

      Arash is extremely passionate about his job. Arash is always professional and client orientated.  As a realtor, I have enjoyed working with Arash on multiple deals for my clients. He’s always been able to deliver a solution for each one of my clients.  He’s proactive and updates me on a regular basis on all of my claients files.  Thank you Arash.
      Tony S.
      North York, ON

      Arash went above and beyond to help my parents with their mortgage needs during a very difficult time in their lives. His compassion and professionalism was commendable. I would highly recommend him.
      Michelle J.
      Toronto, ON

      Can’t say how much I appreciate the extra time and service Arash put into my mortgage… 1st class service!

      Raymond Y.
      Scugog, ON

      Arash has the best customer service ever! Always a quick response and very accommodating right away! Arash got me approved 3 different times! I hope to work with you again and again thanks!!

      Alicia A.
      Scarborough, ON

      As inexperienced first time home buyers, we needed someone who was patiently willing to explain every detail and give us as much information as possible. We have interviewed several agents and requested quotes from them; what set apart Arash from the rest was how he broke down the information and explained it.
      Another major point was how he was always on top of updating us with our file’s progress which was huge for us as we felt we had to chase down the other agents to get information. Arash also does have access to the best deals on the market, we know that because we do our research. The combination of all these points makes Arash the perfect man for the task.
      Bassem B. & Ghada Z.
      Markham, ON

      Arash is the man, he helped me painstakingly secured 2 mortgages which banks said no to. he’s very professional, hard working and easy to deal with. I will definitely go back to him for my future property investment.

      Wen H.
      Toronto, ON

      Arash was a complete professional in handling my mortgage application, from beginning to end. Not only was he dedicated to finding me the best rate for my brand new home, he even followed up on my behalf with my lawyer and builder to finalize details and paperwork. He kept me informed every step of the way. He was trustworthy, attentive and dedicated to providing me with the best experience in buying my first home. I highly recommend his services! Thank you so much for your hard work and for the fantastic outcome!

      Shannon D.
      Etobicoke, ON

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