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Why Use Loans Geeks
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A Smarter Loan in 3 Quick Steps
Select the Loan you Need
Depending on the type of loan that you need, we will match you with the most fitting loan lenders. You will get to choose from up to five of the most competitive loan options available.
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Fill out the loan request form. It will take you only 2 minutes and all of your personal and business information is secure.
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Once you select the loan option you’d like to go with, the lender will contact you to give you the money.
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Mortgage Refinance Canada

People often wonder whether it is worth to take advantage of lower mortgage rates and break the agreement they are already in and refinance mortgage.

If you apply online for a refinance loan via Loans Geeks, you will be able to get a mortgage pre-approval, which will show you how much value of your property you could afford, as well as various purchase prices with their associated mortgage payments. By using Loans Geeks you will also be able to get guaranteed mortgage rates for a certain period of time, which is important to have as a protection against sudden interest rates inflations. You will not be obliged to settle deal with a broker or lender who provided you with a pre-approval.

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Yes, if you can get lower interest rate on your existing mortgage, you definitely should refinance. If If you can lower your interest rate by 2% at least, it is worth refinancing. Even being able to save 1% is a good enough incentive to start the process. Also, by refinancing mortgage, you will be able to access home equity in cash

Yes, you can. There are many mortgage providers and lenders who offer in-house funding, making it possible even for people with bad credit histories to secure loans in Canada, when they otherwise couldn’t. At Loans Geeks we will match you with the best loan providers in your area who can offer you convenient loan options, regardless of your credit score.

Mortgage refinance costs will depend on the strategy you will be using to either lower your interest rate or access equity. Either of them will incur some legal costs, as the lawyers will need to alter the financing on title. However, in many cases, if the balance of your mortgage is larger than $200000, many of the mortgage refinance companies that Loans Geeks will match you with, will offer to cover those costs.

If you are going to break the existing mortgage contract, you can also count on prepayment penalty charges.

Yes you can. Even though rental property refinancing requires meeting requirements that are somewhat strict than for primary, traditional residence refinancing, it can still be beneficial.

To get matched with reputable lenders available in your area and get most competitive offers, it is best to use Loans Geeks to submit your online application. We partner with carefully screened top rated refinance lenders in Canada. The rating of the lenders is constantly monitored and updated according to our applicants’ experiences.

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