Kofsky Mortgage

Refinance and Renewals.


Do you want to refinance your mortgage? It is certainly an important question and many people ask if this is the right time. It could be for you too.

At this stage, it is important to consider a few things. How is your credit score? Have you been working on improving it? If so and now your credit is better you may now qualify for a new mortgage? Your new mortgage may come with a better rate and better options for you.

Have the market rates changed and do you want to capitalize on them? There is a great possibility here, however, it is very important to fully understand the penalties. I am here to help you understand your own mortgage and ensure the refinanced mortgage product is the correct one for you. Are you in a different financial position and you are interested in switching to a variable rate from a fixed-rate mortgage?

Refinancing is also a good option to consolidate debt, finance home improvements, college investments, daycare expenses and many more options. If you are interested in chatting more, please feel free to call me anytime at 604-202-9913.


Many people shop around for shoes, clothes cars, and homes but don’t spend nearly enough time looking into their mortgage and especially their term renewals. This can cost you thousands of dollars every year. Nearly 60% of borrowers simply sign and send back the renewal that is first offered to them by the lender. Don’t be that person, spend a little time and work with an expert to find you a better mortgage product.

You should never accept the first-rate offer from their existing lender. Without anyone in your corner and advocating for you the market rate on renewal can be very high and cost you a lot of money on your mortgage. 

I am happy to help you, please feel free to call me anytime at 604-202-9913.