Homebase Mortgages

Serving Toronto, the GTA & All of Ontario

Ontario's Best Rates on Mortgage Refinancing

Get the financial resources you need.

When Banks Decline, We Approve!

We offer Ontario’s best rates! Get approved today!

Are you looking for Mortgage Refinancing and are having a tough time getting approved by a bank on a loan or having difficulties with high credit card payments? If you’re looking for a top mortgage broker, at Mortgage Central, we’re experts at hard to place private mortgages and second mortgages. As a matter of fact, new clients applying with bruised credit can also be approved within 24hrs!

Whether you are purchasing a new home, renewing your existing mortgage, mortgage refinancing to consolidate your debts or simply wanting to take a home equity loan, our team of professionals will work with you to find a solution best suited for you.



What are the Benefits of Mortgage Refinancing?

When you got your first or second mortgage, you had great rates! But over time the rates don’t seem so great; you want to save money but you’re not sure how to go about it. Here we’re going to talk about mortgage refinancing and how you can use it to lower your monthly mortgage payment. It can be hard to get a good mortgage refinancing offer on your own, so let us help! With the right Toronto mortgage broker you’ll be able to get a better deal and more money in your pocket.

Do You Need Mortgage Refinancing?

Before you think about refinancing, you need to make sure you’re the right candidate. If you have less than a year to pay off your mortgage, you shouldn’t. If the deals offered to you by your mortgage broker aren’t better than the one that you have now, you shouldn’t. The point of refinancing your mortgage is to enjoy a better situation than you have now; if you can’t find it, opt out.

Save Money

Is your monthly payment and interest higher than you like? If you haven’t refinanced your Canadian mortgage in the last ten years, now’s the time to do it! You’ll be able to take your existing mortgage and turn it on its head; instead of paying double digit interest rates you’ll be able to bring it down to as low as 5%. The less interest you have to pay the better. Each monthly payment will first go towards interest payments for the previous month, then towards principal (the amount you actually borrowed). Instead of paying more and more money towards interest that never ends, you’ll be able to pay more of the original debt off faster.

Change Your Mortgage

Maybe when you got your mortgage you had bad credit. But you’ve been paying down your debt and you haven’t missed a payment; you may be able to change the type of mortgage you have. An ARM or adjustable rate mortgage can be switched over to a fixed rate mortgage and save you a lot of money. Your Toronto mortgage broker will be able to help you figure out if you’re a good candidate.

Build More Equity

If you want to start owning more of your home without increasing your payments, you’ll be able to with a mortgage refinance. If you can bring down the amount of interest you pay, you can build equity faster. If you have more money than you did at the beginning of your mortgage, you can switch it to a shorter term (from 30 years to 5 years for example) so you can own your home faster. While you could do this without a refinance, you could end up paying pre-payment penalties for paying off your mortgage too soon.

If you own your home, you're approved!


Approvals in 24 hours or less

Fill out our fast and easy no-obligation application form to get started and see how much you qualify for.


No credit. No problem.

We don’t care about your credit score or income. If you have equity in your home, you’re approved! Simple as that.


Receive your funds fast!

We know you’re in a hurry! Once you are approved, our agents will work with you to get your funds to you within a week.


Helping Ontario homeowners get more out of their homes since 2002.

Life is full of obstacles, challenges and opportunities. Let our home equity loan experts guide you to get the most out of the hard earned equity you’ve built in your home. We’re here to help. 

Why Choose Homebase?

Homebase Mortgages has been helping homeowners achieve their financial goals for over 20 years.
Serving Toronto, the GTA and all of Ontario.

Homeowners approved within 24 hrs

If you own your home, you're approved. We lend based on your homes equity.

Large Canadian public funding network

Whether you need $5,000 or $500,000, we have you covered.

Cut monthly payments in half

Lower your monthly debt payments by up to 50%.

Bad credit. No credit. No problem.

All you need is your home. Credit scores don't matter here!

Most competitive rates in the market

We offer the lowest rates possible in our industry.

We can help when traditional banks won't

Unlike traditional banks, our approvals are solely based on your homes equity.

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What our clients have to say

I had a very bad experience with another company and was lucky enough to find Homebase in time, before going through with a high interest loan. Good people here.
Archard Cuillerier
Danny and Rajal are such a pleasure to work with! They are experienced and extremely knowledgeable. Highly recommended!
Alessandra Ocampo
Honest, knowledgable and actually caring! If you're looking for a second mortgage in Toronto, go with them. Great job!
Dylan Cameron

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