Mortgage Refinance Brampton Let’s Help Make Sense of Your Finances!

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    Low Affordable Monthly Payments

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    Great Mortgage Rates

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    Maximum Savings

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Rumy Gill - Mortgage Broker

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Get the Most out of your Mortgage Refinance.

A Mortgage Refinance can provide you much needed flexibility in your finances and help you save money every month by consolidating your High Interest Debts into your Mortgage. Allowing you to make one low payment a month and saving your Hundreds to Thousands of Dollars in interest immediately every single month. Let a 5 Star Mortgage Broker, Rumy Gill – Mortgage Broker, help guide you through the process and help you save you the most amount of money with a Mortgage Refinance today. Clients Trust Rumy Gill to Help find them the Best Mortgage when it comes to their Mortgage Refinance, and you should too!

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Rumy Gill - Mortgage Broker

Google 5 Star Reviewed by Clients

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Very, very courteous and helpful people! They go out of their way to assist you with anything you need. Example, they were super patient and helpful with transferring data from my old phone to my new phone.

- Susan Lynch

Hi All, I must appreciate and commend his mortgage services as par excellence .The families Rumy has helped for their Mortgages are very happy and so do I.

- Anil Sharma

You're not just another client when you're working with Rumy. His knowledge, his willingness to go above and beyond and devote his time to helping us really meant a lot and with his helpful service, we were able to secure the best outcome for us.

- Raymond Paz

Great experience and great person to work with. He always made it about me and took care of all the things that mattered most to me for my mortgage approval in a quick and efficient manner. Highly recommend him as the mortgage broker to call and I will be referring all my friends and family to him.

- Satpal Chouhan

Rumy Gill is a Fantastic Mortgage Broker. He was able to refinance my mortgage and save me a lot a money. He helped me clear up all my high interest debts. I have already recommend Rumy Gill to all my friends and family and I really recommend you contact Rumy Gill for your Mortgage too.

- Sabendran sami

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Why does a Mortgage Refinance make a lot of sense?

Mortgage Refinancing is a common strategy that Canadians use to lower their interest payments,

consolidate their debt, save money, or access their home equity. But is it really a good idea? The answer is, that it depends on a few factors. Refinancing could save you a lot of money over time, but then again it might not. Or there may be other mortgage strategies that make more sense in your situation.

To determine whether Mortgage Refinancing is a good idea for you, you should sit down with your mortgage broker and let them calculate a few scenarios for you. In general though, here are a few of the factors you will need to look at in making your decision.

It is important to think about future expenses that may occur when you begin your Mortgage Refinance so you are not in shock or financial stress if something unexpected were to happen. When working with a Mortgage Broker who puts your needs first, a Mortgage Refinance can provide you much-needed flexibility and financial safety in your monthly finances and future finances.

Mortgage Refinance Brampton can Free up Monthly Cash Flow

A Mortgage Refinance can allow you to breathe easy every month, as you can lower your High Interest Debt, Credit Card Debt, Pay Day Loans, Car Loans or any type of debt or High Interest Debt you are carrying. These high Interest Debts like Credit Cards, Pay Day Loans, Personal Loan are usually around a rate of interest of 18% to 21% or more.

That’s A LOT! If you continue on with these kind of Interest rates, you can pile up a large amount of Debt and your finances can get out of control really quickly.

But not to worry, we can help homeowners just like you with a simple Mortgage Refinance and dramatically reduce the interest you pay allowing you to live comfortably and save hundreds to Thousands of Dollars each month in Low Affordable Monthly payments.

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Looking for a Mortgage Refinance?

Speak to mortgage broker about the most affordable option given your credit score income and property

Mortgage Refinance Payments Can Save you Money and Free Up Cash Flow!

Consolidate Debt! Pay off High-Interest Debt! Increase your Credit Score Rating!

The example shows how we were able to help a Client in Brampton with a Mortgage Refinance to Pay off a Second Mortgage and Credit Card Debts saving Our Client $1,265/month

Before

First Mortgage Amount: $200,000
Mortgage Interest Rate: 4.99%
Mortgage Payment: $1,165 monthly
Second Mortgage Amount 150,000
Second Mortgage Interest: 12%
Second Mortgage Payment 1,500
Credit Card Debts:$50 ($450 Monthly)
Total Debt $400,000
Total Monthly Payments $3,165
Monthly Savings $0 (Client further in Debt)

After

Mortgage Amount: $400,000
Mortgage Interest Rate: 3.99%
Mortgage Payment: $1,900/month
Second Mortgage     Amount $0 (paid in full)
Second Mortgage Interest Rate(N/A)
Second Mortgage Payment $0 (paid in full)
Credit card Debts $0 (paid in full)
Total Debt $400,000
Total Monthly Payments $1,900
Monthly Savings $1,265
Saved Client about 40% monthly payments
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Why Would You Want Pay More Interest Than You Have Too?

By utilizing a Mortgage Refinance, you are able to put all these debts into your existing Mortgage, at a lower rate of interest, saving you thousands of dollars a month and even more over the course of the Mortgage and have your Debts paid off in full.
Instead of paying multiple monthly payments on the Debts you are already paying every month, a Mortgage Refinance you can improve monthly cash flow, and allow you have one easy payment, and allow you to be Mortgage-free and Debt quicker than you ever thought possible.

Thus helping you save hundreds and Thousands of dollars each month.
Now that’s a smart financial decision you can Bank on! Contact Me Today, So We Can Start Helping You Save Money with Mortgage Refinance.

Rumy Gill can Help you Get a Mortgage Refinanceof up to $50k, $100k, $200k or More in Cash, Fast!

All you Have to do is Apply!

We Work with All Income and Credit Situations! Approvals on Home Equity are Available.

Here are the Benefits of Working with Rumy Gill a Brampton Mortgage Broker for your Second Mortgage;

  • Debt Consolidation

  • Pay off Your High Interest Debt

  • Pay off Your Credit Card Debt

  • Help Increase Your Month Cash Flow

  • Access Your Home Equity

  • Get Money for Buying a Second Home

  • Shorten Your Mortgage Term

  • Get a Variable Rate Mortgage

  • Pay off Your Pay Day Loans

  • Pay off Your Third Mortgage

  • Switch to another Mortgage Lender

  • Get Money to Purchase a Business

  • Pay off Collections

  • Move your B Lender Mortgage to the Bank

  • Pay off Your Second Mortgage

  • Help Fix Your Credit

  • Lower Your Mortgage Interest Rate

  • Pay off Your Car Loan

  • Restructure Your Finances

  • Pay for Your Vacation

  • Get Money for Buying a Rental Property

  • Get Money for Your Home Renovation

  • Lower Your Monthly Payments

  • Lock in a Fixed Rate Mortgage

  • Get a Home Equity Line of Credit (HELOC)

  • Get Money for an Investment

  • Pay off Consumer Proposal

  • Pay off Your Private Mortgage

Frequently Asked Questions

What is Mortgage Refinance?

Refinancing a mortgage means paying off an existing loan and replacing it with a new one. There are many reasons why homeowners refinance to obtain a lower interest rate to shorten the term of their mortgage to convert from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage or vice versa, to tap into home equity to finance a large purchase, or to consolidate debt.

How does Refinancing work?

Refinancing works by giving a homeowner access to a new mortgage loan which replaces the existing one. The details of the new mortgage loan can be customized by the homeowner, include the new loan’s mortgage rate, loan length in years, and amount borrowed. Refinances can reduce a homeowner’s monthly mortgage payment, access cash for home improvements, and cancel mortgage insurance premiums, among other uses.

What Credit Score do you need to Refinance your home?

There is no minimum credit score you need in order to Refinance your Mortgage with us, as a Mortgage Broker, we work with over 50 Mortgage Lender including; Banks, Credit Unions, Alternate Lenders, B Lenders, and many Private Lenders who can help you with Refinancing your Mortgage. So that means we can help Refinance your Mortgage even if you have a credit score of 680 or 580 or below. We can help find a Mortgage Lender to Approve your Mortgage Refinance.

What documents do you need to refinance your mortgage?

  • Pay Stubs. When applying for a home loan refinance, your lender will need proof of income
  • Tax Returns
  • Credit Report
  • Letter of Employment
  • Property Tax Bill
  • Mortgage Statements

Can I Refinance my Mortgage if I have Bad Credit?

Yes it is possible to Refinance with Bad Credit, so that means if you want to lower your mortgage payment and consolidate debts but have bad credit you could be in luck. We work with many Mortgage Lenders who are understand life situations occur and are able to accommodating clients with Bad Credit. We have helped many clients get Approved for a Mortgage Refinance with Bad Credit who have had; Overloaded with Debt, Late Payments, Missed Payments, Consumer Proposals, Bankruptcy, Judgements, or Divorce.

Get a free consultation for Mortgage Refinance Brampton

Brampton Mortgage Broker

Rumy Gill – Mortgage Broker

Direct: 416-855-0545 Ext 101
Email: Rumy@BramptonMortgageBroker.com

Brampton Office : 2260 Bovaird Dr. E. Unit 202A
Brampton, ON L6R 3J5
Mississauga Office : 213B-2970 Drew Road
Mississauga, ON L4T 0A6
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Toronto, ON M2J 4V6

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600 – 5770 Hurontario St., Mississauga, ON L5R 3G5

Direct: 416-855-0545 Ext 101
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Office: 416-855-0545 Ext 101

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