RateShop.ca | Mortgage Learning Centre

Get the lowest mortgage rates in Canada from RateShop.ca

Refinancing Without Penalties: What to Know in Late 2025

Refinancing Without Penalties: What to Know in Late 2025By: Joe Marker Published on: 13/10/2025

Learn how to refinance your mortgage in late 2025 without penalty fees. Discover lender options, timing tips, and ways to save money on your renewal.

Mortgage Rates
Refinancing Without Penalties: What to Know in Late 2025

🏡 HELOC vs Refinance: Smart Ways to Tap Equity This Fall

🏡 HELOC vs Refinance: Smart Ways to Tap Equity This FallBy: Joe Marker Published on: 10/10/2025

Compare HELOC vs refinance options this fall to unlock your home equity wisely. Learn which strategy offers lower rates, flexibility, and long-term savings.

Mortgage Rates
🏡 HELOC vs Refinance: Smart Ways to Tap Equity This Fall

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.