Mortgage Refinancing Toronto

Get Your Mortgage Refinance Approved!

Serving Toronto, Brampton, Mississauga, and Ontario

  • Fast Approval
  • Low Affordable Monthly Payments
  • Great Mortgage Rates
  • Maximum Savings

Rumy Gill - Mortgage Broker

Secure Mortgage Application Form

I Consent to receiving communication from Rumy Gill

Top 7 Reasons Why a Mortgage Refinance from Toronto Mortgage Broker

– Rumy Gill Has The Best Options For You.

  • Pay off High-Interest Loans and Credit Cards
  • Get a Better Mortgage Rate, Terms, and Flexibility
  • Shorten the Term of your Mortgage and Become Mortgage Free Faster!
  • Lengthen the Term of your Mortgage and Lower your Mortgage Payments!
  • Access your Home Equity for any Reason!
  • Fix your Credit Score Rating by Paying off your Debts
  • Roll your Credit Card and High Interest Debt into your Mortgage and Free up Monthly Cash flow into one easy Low Monthly Payment.

A Mortgage Refinance from Toronto Mortgage Broker

Rumy Gill Has Helped Many Clients with;

  • Improving their Credit Score so they can qualify for a New Mortgage with a Better Rate.
  • Stabilizing their Mortgage Payments by changing from a Variable Rate Mortgage to a Fixed-Rate Mortgage.
  • Pulling out Home Equity for Consolidating Debt, Home Improvements, Investments, College Expenses, and More

3 out 5 Canadians break their Mortgage before it is even up for Renewal. This is because waiting 5 years is a long time and life happens, and unexpected Finances occur from time to time. If you have your Mortgage with the Bank and you need to break it, it can literally cost you an arm and a leg, this is because Banks calculate their Mortgage Penalties in specific manner, due to the Discount Rate which was given to you upfront when you signed your Mortgage.


These Penalties can range anywhere from $10, 000 to $25, 000 or More, just for breaking your Mortgage. And you thought you were getting the Best Rate, until you know about the Penalties involved in breaking your Mortgage early, it is then you realize the strings attached to the so called  Best Rate you are getting. Talk about pulling the wool over your eyes.

But of course when you’re looking for a Mortgage the Rate matters, however having Flexibility in your Mortgage is equally important. Not to worry, I have access to Lenders who can get you a Great Mortgage Rate and who have low penalties in the event you are required to break your Mortgage for any reason. You will hardly even Notice the Difference in the Monthly Payments but you will save yourself from Costly Mortgage Penalties.


The Difference in Rate from one of our Lenders with Great Rates compared to your Bank Rate Mortgage is a Small amount of $10 to $25 dollars a Month in Mortgage Payments. But this small Change can end up saving you $10, 000 or $25, 000 or more by having the flexibility in your Mortgage. Now, Isn’t that a Good Trade off?

It is important to think about future expense that may occur when you need to Refinance your Mortgage

  • Consolidate High
  • Get Access your Home Equity
  • Pay off Credit Cards
  • Move your Mortgage from a B Lender to the Bank
  • Lost your Job and you need a Money to Help get you by
  • Need Money to Purchase a Rental Property
  • Get a Lower Mortgage Interest Rate
  • Lower High Interest Debt
  • Pay off Consumer Proposal
  • Move your Mortgage from the Private Lender to a B Lender or Bank
  • Need Money for your Business
  • Need Money for Emergencies
  • Renovations or Home Repairs
  • Help Fix your Credit
  • Pay off Credit Cards
  • Pay off Collections
  • Increase your Monthly Cash Flow
  • Need Money to Purchase a Business
  • and basically any reason you may Need Money for.

Looking for a Mortgage Refinance?

Speak to a Mortgage Broker about the most affordable mortgage option given your credit score, income and property.

Recent Deals Approved:

Home Purchase $845k Approved - Etobicoke, Ontario

Private Mortgage Purchase $400k Approved - Hamilton, Ontario

2nd Mortgage $230k Approved - Port Hope, Ontario

Mortgage Refinance $375k Approved - Stoney Creek, Ontario

Home Equity Loan $125k Approved - Markham, Ontario

Mortgage Refinance $350k Approved - Barrie, Ontario

Buying A Home for $900k Mortgage Approved - Mississauga, Ontario

Home Purchase $750k Approved - Caledon, Ontario

Mortgage Refinance $570k Approved - Toronto,Ontario

Mortgage Refinance $250k Approved - Newmarket, Ontario

Google 5 Star Reviewed by Clients


Rumy Gill - Mortgage Broker



Rumy Gill delivered on what he said - No hassle at closing at all. He was able to get me a great mortgage rate and affordable monthly payments. All communication was in a timely manner, no surprised at last minute. Would definitely go again with Rumy Gill again.

Frequently Asked Questions

So why are all the Lenders, just talking about their Rate and not the Features or Flexibility they offer?

This is because all the lenders know you want just want the Lowest Rate, and in most people’s cases will do anything to do get it.

But what cost are you really willing to pay for the Lowest Rate?

It is Not, Until you have to break your Mortgage, that your Realize the Cost you are paying for your Low Rate Mortgage. Ironically, your Low Rate Mortgage will cost you more in Penalties than it will Save you Money with the Low Rate it provides, in the event you need to break it.

So What Can I do to Ensure I get a Great Rate and Don’t Pay so much in Penalties if I Need to Break my Mortgage Early?

I can Help you find the Lender that works best for your situation and Help you take advantage of Low Rates and Low Penalties in the event you need to break your Mortgage if you Sell your Home or Take advantage of a new Lower Mortgage Rate from one of my Mortgage Lenders.

I just Lost my Job, Can I get Approved for a Mortgage Refinance?

Yes, I can still get you Approved even if you Lost your Job, been laid off, are in between jobs, or working part-time. I have many options available and I am able to Help get your Mortgage Approved.

I switched Jobs and my Income has changed and I am making Less Money, Can I get Approved for a Mortgage Refinance?

Yes, I can get you Approved even if you switched Jobs and your Income has changed and you are making Less Money. I have many Mortgage Refinance options available and I will Help get your Mortgage Approved.

I was declined by my Bank for a Mortgage Refinance due to my Debt Ratios, Can you Help get me Approved?

Yes, regardless of your Debt and Service Ratios, I have many options available for all situations, even if you don’t qualify with your Bank, our I will Help get your Mortgage Approved.

My Credit Score has dropped, Can you Help get me a Mortgage Refinance?

Yes, regardless of your Credit Score, I can get you Approved even if you have Collections, Bankruptcy, Consumer Proposal, or any other reason why your Credit Score has dropped and you have Bad Credit. I can help you Fix and Repair your Credit Score and Help get your Mortgage Approved.

What if I fail the Mortgage Stress Test, Can I still get Approved for a Mortgage Refinance?

Yes I can, as a Toronto Mortgage Broker I work with Mortgage Lenders who don’t require you to go through a Stress Test. You can get you Approved even if you Don’t Qualify under your Bank Rules, or Fail the Stress Test or have been Declined by your Bank. Because I deal with many Lenders outside of your Traditional Bank, I have access to many Lending options you would not have access to on your own, which means I can get all Situations Approved.


  First time buyer or refinancing? Call for a free quote!

Apply Now

  We shop for the best mortgage option at no charge to you.


Crunch the numbers and explore your options!

Our Blog

What is a private mortgage?

March 31, 2020

  In the fast pace world of real estate,  where decisions need to be made quickly and with crtainity, a … Continue reading What is a private mortgage?

debt consolidation

What is a bad credit mortgage?

March 28, 2020

Often termed as sub-prime mortgages, a bad credit mortgage could be defined as a home loan processed which property owners … Continue reading What is a bad credit mortgage?

How does a second mortgage work in Toronto?

How does a second mortgage work in Toronto?

March 1, 2020

A second mortgage is a type of loan that allows homeowners to benefit from the value of your Toronto home. … Continue reading How does a second mortgage work in Toronto?

Our Lenders

Brampton Mortgage Broker

Head Office

 250 Consumers Rd Suite 719,
Toronto, ON M2J 4V6

Social Links

Toronto Mortgage Broker - Rumy Gill | | Powered by Mortgage Intelligence Inc. - Broker Lic# 10428 | *O.A.C. Some Conditions May Apply. Call for Full Details | Copyright © 2010 - 2019