Model penalties, savings, and readvanceable structures before you switch.
We test scenarios for debt consolidation, renovations, investment borrowing, or unlocking equity for future purchases. Every recommendation includes penalty math, cash-flow projections, and compliance notes.
You get a refinance report with lender comparisons, penalty breakdowns, and post-close amortization paths. Our Supabase workflows log every conversation so regulators, lenders, and your own records stay aligned.
If a readvanceable mortgage or HELOC strategy fits, we detail Smith Manoeuvre / Maneuver and rental damming considerations, and loop in tax professionals for nuance.
Refinancing resets amortization and can erode equity if not planned carefully. We show worst-case interest costs, highlight trigger-rate exposure, and protect CASL consent throughout the communication sequence.
We calculate lender penalties (IRDs or 3-month interest), blend-and-extend options, and the impact on your amortization so you can compare apples-to-apples.
Yes, if the numbers support it. We stress-test post-consolidation ratios, outline HELOC options, and show the total interest over time so you can decide confidently.
We document cash/rental damming strategies, Smith Manoeuvre / Maneuver considerations, and coordinate with tax advisors so everything stays compliant.