Mortgage Refinancing in Surrey & the Lower Mainland

    What is Mortgage Refinancing?
    Refinancing is replacing your current mortgage with a new one — typically at better terms.
It lets you access the equity you've built, lower monthly payments, or consolidate debts.
You can refinance with a bank, credit union, or a private lender depending on your situation.

  

    Basic Qualifications for Refinancing
    Up to 80% of your home's appraised value can typically be refinanced.
Steady income and fair credit are key to qualifying with traditional lenders.
Private lending options are available when bank approval isn’t possible.

  

    Documents You'll Need
    Personal: Valid ID, past 2 years of income documents (NOAs, T4s), credit report.
Property: Mortgage statement, property tax bill, insurance, appraisal if available.

  

    Why You Should Refinance
    Turn your home equity into cash for renovations, investments, tuition, or debt relief.
Reduce your monthly payment or pay off your mortgage faster.
Our expert team at Prosper Lending will compare the best refinancing offers available in BC and guide you from start to finish.

  

Estimate Your Refinance

Current Property Value ($) Current Mortgage Balance ($) Cash Amount You Want ($) Amortization Period (Years) Interest Rate (%)

Maximum Available Refinance Amount:

Cash You Can Access:

New Mortgage Amount:

Estimated Monthly Payment:

Bi-Weekly Payment:

Weekly Payment:

Mortgage Paid Off By:

Mortgage Refinancing in Surrey & the Lower Mainland

What is Mortgage Refinancing?

Basic Qualifications for Refinancing

Documents You'll Need

Why You Should Refinance

Estimate Your Refinance

Ready to Refinance?