Refinancing Your Mortgage


From getting a better interest rate to financing long or short term goals to lowering your payment amount, there are many reasons you may consider refinancing your fixed rate mortgage. Whatever your goal President’s Choice Financial is here to help you achieve it.*

  • Competitive fixed or variable interest rate
  • 60 to 120 days rate guarantee¹ on fixed rate mortgages so you can take the time you need
  • Access the money you've invested in your home to finance your goals

    For a detailed comparison of our mortgages see our Open dialogMortgage Comparison Chart

  • Access up to 80% of your home's appraised value²
  • Consolidate all of your higher interest debts into one easy and convenient payment
  • Easily budget with a fixed payment plan and set pay-off date
Open DialogClose DialogAccess your home equity

Refinancing can be a way to access the equity you've built in your home to finance your goals.

Whether or not your mortgage is with PC Financial we can help you live your dreams today, with our refinancing options, or a secured line of credit.

Open DialogClose DialogTake advantage of low interest rates

When interest rates are low many people think about refinancing in an attempt to secure a lower rate than what they are currently paying. In many cases this makes sense but it is important to speak with a Mortgage Specialist since you will need to pay a mortgage prepayment charge to break your current mortgage

Open DialogClose DialogLegal

** Annual Percentage Rate (APR) is based on a new $400,000 mortgage for the applicable term and a 25-year amortization assuming a Property Valuation Fee of $250. Rates shown for the applicable term are PC Financial’s special discounted rates and are not posted rates of PC Financial. Offer may be changed, withdrawn or extended at any time, without notice. Offer cannot be combined with other offers and is not available on variable rate, basic or cashback fixed rate mortgages, existing PC Financial mortgages or mortgage renewals.

APR means the cost of borrowing for a loan expressed as an interest rate. It includes all interest and non-interest charges associated with the mortgage. If there are no non-interest charges, the annual interest rate and APR will be the same.

i2.17% APR (Fresh Cut No Points only)
ii2.41% APR (Fresh Cut and Fresh Cut No Points only)
iii2.49% APR (Fresh Cut No Points only)

*All credit products are subject to credit approval.Some conditions and restrictions apply; ask for details.

1Not available for variable rate mortgage. 60 day rate guarantee is offered when refinancing your mortgage. Subject to change without notice.

2Less what you currently owe on your home, or other encumbrances. Some additional conditions apply on properties currently valued over $500,000. Ask for details.

Fresh Financial Thinking®

Today's Great Rates

5 year variable:
2 year fixed: 
Special** 2 year fixed: 
3 year fixed: 
4 year fixed:
Special** 4 year fixed: 2.39%ii
5 year fixed: 
Special** 5 year fixed: 2.47%iii
7 year fixed: 
10 year fixed: 
go toSee more rates

Connect with us

Tools & Calculators

please be aware that the Tools and Calculators are not ready for accessibility. Please call us at 1-888-723-8881 and we will be pleased to assist you