RateShop.ca | Mortgage Learning Centre

Get the lowest mortgage rates in Canada from RateShop.ca

HELOC vs. Refinancing

HELOC vs. RefinancingBy: Ranjit Nanda Published on: 19/12/2025

Compare HELOC vs refinancing at year-end 2025. Learn which option improves cash flow, lowers payments, consolidates debt, and fits your 2026 goals.

Mortgage Rates
HELOC vs. Refinancing

Homeowners Can Reduce Payments

Homeowners Can Reduce PaymentsBy: Michael Squeo Published on: 19/11/2025

Discover smart ways homeowners can reduce monthly payments before the holidays in 2025. Learn refinancing, consolidation, amortization, and budgeting strategies.

Mortgage Rates
Homeowners Can Reduce Payments

How to Use Home Equity for Holiday Renovations or Debt Consolidation

How to Use Home Equity for Holiday Renovations or Debt ConsolidationBy: Ali Zaidi Published on: 14/10/2025

Learn how to tap into your home equity this holiday season for smart renovations or debt consolidation and make the most of your property’s value in 2025.

Mortgage Rates
How to Use Home Equity for Holiday Renovations or Debt Consolidation

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.