Skip links
image
Get Pre-Approved in 60 seconds







Refinance, what else!

Before we start talking about refinance – let’s talk about debts.

Canadians hate debts, Canadians have debts and Canadians love real estate!

Did you know that more than 70% Canadian own their properties?

And, very good news, especially for British Columbia and Ontario residences (Alberta, please, no comments J), that property value hit the roof in last few years. What does it mean for you and your smart refinance?

It means that you can consolidate your debts, improve the cash flow, and go to your next vacation faster than you think.

For example, if you purchase your place 5 years ago for $400K with 5% down, your current mortgage at the moment is around $350K. Your home worth at least $600K on the current market (welcome, British Columbians J)

Let’s assume that you have around $50K – $80K in consumer debts (car loan, student loans, credit cards and so on. Instead of having all those annoying and pretty expensive debt payments, you can have just one nice mortgage payment (which, potentially, can be lower than your current mortgage payment PLUS it includes all your other debts.

Just to repeat – you will have one mortgage payment. No consumer debts. And your mortgage payment will be the same or lower than your current mortgage payment!

And it’s not difficult at all.

Just simply refinance your mortgage; increase amortization to 30 years and enjoy the freedom of the debt free life!

I love to see my clients to pay their debts. It makes me feel better as I totally remember my own experience – feeling yourself debt-free makes our life much better!

 

Call, email, text. I am here to help.

With love,

Iryna Rudavska

Iryna.rudavska@ipoteka.ca

778-836-6461

Services
icon
Purchase
icon
Private Mortgage
icon
Refinance
icon
Renewal
icon
Debt Consolidation
Mortgage Information
Mortgage for First Home Buyers
Mortgage for First Home Buyers
Put yourself on the path towards home ownership with helpful tools and information while you dream and shop.
Mortgage for Real Estate Investors
Mortgage For Real Estate Investor
Before seeking real estate investment financing for your property purchase, planning ahead should be a key part of your overall strategy.
Mortgage with Bad Credit Score
Mortgage with Bad Credit Score
It's possible to get a mortgage with bad credit, although you'll probably pay higher interest rates and you may need to come up with a larger deposit.
Mortgage for Work Visa Holders
Mortgage for Work Visa Holders
For Conventional mortgages, banks or lenders can work with home buyers making a 35% down-payment as long as they have a valid work permit and it is still valid for 6 months or more.
Mortgage for Self Employed Individuals
Mortgage for Self Employed canada
Self-employed borrowers have access to exactly the same range of mortgage products as everyone else as long as you are able to put down the necessary deposit and prove you can make the repayments on your loan
Mortgage for New Immigrants
Mortgage for New Immigrants
A mortgage for new immigrants is specifically designed to make the purchase of a home as easy as possible for new immigrants and is often considered an important step to becoming established in Canada.
From the blog
Invest or not into real estate!
I don’t know about you guys, but I always been interested in early retirement and passive income.
вакнкувер
Refinance, what else
Before we start talking about refinance - let’s talk about debts. Canadians hate debts, Canadians have debts and Canadians love real estate!
Testimonials
image
"
Getting a mortgage is a very stressful time. Iryna and Oleh provided exceptional service in answering all of our questions and making sure we felt comfortable with the decisions we made. They helped us in determining what we could afford and whether a fixed or variable rate was most suitable for us. They are extremely knowledgeable and professional and worked hard to get us into the home we really wanted. We couldn't be happier and would recommend Iryna and Oleh to ANYONE looking to buy a home. Thanks again
Sergey & Natalia
image
"
I was so nervous! I wanted to make sure I have all the money ready on time - I know how hard it to get for the second purchase ? Thank you, Iryna. You are made of gold !! ?
Sabina
image
"
Iryna, Thank you for your invaluable help! I realize that it was not an easy task and required a high degree of ingenuity. No doubt I saved your contacts for future uses and/or referrals. From sunny Manitoba (with a balmy temperature of -21C)
Alex
image
"
From the beginning, I was impressed by her attendance to details and swift reply to any questions leading to a smooth acquisition of a new mortgage. Iryna’s natural capitalization on her vast experience let her path to becoming an independent mortgage broker. This turned out to be to my advantage while shopping for a very competitive mortgage rate during second house acquisition, and I found Iryna to be a great asset while facing the unknown territory of bridge financing within the new approval process. I would highly recommend Iryna’s services to anybody who is in need of a mortgage or any other financial services her company is offering, you will like the result, I know I did.
KK
image
"
Hello Iryna, We would like to thank you and your team again for great job in achievement our goal. Your friendliness, professionalism and knowledge was a huge help in getting this new milestone. Your communication was as transparent as can be. We had some problems in understanding the process sometimes, but you guys always were patient enough to clear things up in a very transparent manner. You were always on top of things and always available for us to communicate. Your responses always appeared in a snap. We will recommend you to all of our friends and relatives in the future. We definitely will be in touch. Happy holidays!
Irina & Andrey
image
"
When Iryna comes to mind, there is one word that stands out more than others that I can use to describe her and that is: Dedication. From the first consultation at her office to the latter stages of mortgage hunting, Iryna has been consistent and dedicated to finding Troy and myself the best possible mortgage suited for our lifestyle and financial needs. If you need her in the evening or early morning e-mails, Iryna is always available to meet your needs and is working hard to take care of you as if you were her own family. Troy and I have grown very fond of Iryna and feel blessed to have her in our corner. We couldn’t have come far in the journey of first-time home buying without her dedication.
Una
icon
icon
Mortgage questions