Refinancing, Renewals, + Restructuring
Your mortgage deserves personalized attention tailored to your unique needs.
Whether you’re looking to refinance and access your home equity, restructure your mortgage for a better rate or improved cash flow, or find the best renewal options, we’re here to guide you every step of the way.
Finances can feel overwhelming - especially when it comes to managing your mortgage.
Let us help you understand not only your options but the choice that's right for you.
Whether you’re considering your options at renewal, adding a line of credit, or exploring ways to access equity – we’re here to help you navigate your choices and find the best solution. Our goal is to provide you with options - to empower you with choices to make the decision which is right for you.
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Refinancing
Considering taking equity out of your home? Whether it's for debt consolidation, purchasing another property, renovations, a spousal buyout, or investment purposes, refinancing can help. By accessing your home’s equity, we can also adjust your mortgage's amortization period to help manage your monthly payments effectively.
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Restructuring
If you're mid-term in your mortgage and wondering if breaking it makes sense in today's changing rate environment, or if you have multiple mortgages registered against your home, we can help. Our team will evaluate your options to optimize your interest savings, improve cash flow, and unlock additional financial opportunities.
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Renewing
Is your mortgage renewal approaching? We’re here to help you understand your options. From negotiating with your current lender to exploring alternative solutions, we’ll ensure you secure the best option aligned with your financial goals.
What to Expect
At Cultivate + Evolve Financial, we know mortgage financing can feel overwhelming — but you don’t have to navigate it alone. We're here to simplify the process, ease your concerns, and guide you toward a solution that aligns with your goals.
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The first step is simple — reach out to us. Whether you’re exploring options, feeling uncertain, or just want to talk things through, we’re here to help.
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Next, you'll have a meet-and-greet call with Madeline. This is an opportunity to get clear on your goals, review your current situation, and update any information that may have changed (especially for existing clients).
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New Clients: We’ll have you complete an application to ensure we have all the details needed to explore your options.
Existing Clients: We’ll provide you with a personalized document checklist through our client portal to keep things organized and efficient.
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Once your application and documents are submitted, Catherine will carefully review everything to prepare for your strategy call — ensuring you’re equipped with clear options and a plan designed to help you thrive.
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During this call, you’ll review your lending options, explore the best path forward, and align on the next steps for submission.
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Once your approval is in hand, we’ll streamline the remaining steps. In most cases, you’ll only need an appraisal and a signing meeting with Catherine before moving to pre-instruction and funding.
Renewing?
If your mortgage renewal is within the next six months, connect with us now to create a plan and secure the best products and rates available. Even if your renewal is further out, we're happy to help you budget and plan ahead for peace of mind.
Restructuring or Refinancing?
If you’re thinking about accessing equity for renovations, a property purchase, or a major expense, don’t wait. We can hold rates for up to four months, giving you time to explore your options with confidence.
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At Cultivate + Evolve Financial, we believe your mortgage should be more than just a transaction — it’s a powerful tool to help you build the life you want. Whether you’re looking to reduce financial stress, expand your investments, or secure your family’s future, we’re here to support you every step of the way.