RateShop.ca | Mortgage Learning Centre

Get the lowest mortgage rates in Canada from RateShop.ca

HELOC vs Refinance

HELOC vs Refinanceby: Ali ZaidiPublished on: 25/02/2026

HELOC vs refinance in 2026: compare cash flow impact, payments, rates, and risks to decide which home equity option works best for you.

Mortgage Rates
Read more
HELOC vs Refinance

Using Home Equity to Consolidate Debt in 2026

Using Home Equity to Consolidate Debt in 2026by: Ali ZaidiPublished on: 23/02/2026

Using home equity to consolidate debt in 2026? Learn how refinancing, HELOCs, and second mortgages can lower interest and simplify payments.

Mortgage Rates
Read more
Using Home Equity to Consolidate Debt in 2026

5 Year - Fixed Term from

3.89%

*Advertised rates may not be offered by this lender. Mortgage lender offers are aggregated by RateShop & its Brokerage Network subject to change without notice. Speak with our mortgage broker about APR and qualification requirements.