Life happens. At Champion we understand good people suffer from financial stress. Let’s start the conversation and work towards your financial freedom. You are one call away from the best financial decision of your life.

What is Refinancing?

Refinancing or Debt Consolidation replaces an existing loan(s) with one new loan that pays off the debt of the old loan(s). Making one payment at a lower interest rate allows you to manage your expenses, while building your credit rating and paying less interest.

What is secured and unsecured debt?

During the refinancing process you will be asked about what types of debt you have. There are two main types. If you have questions or are unsure about your situation you can call 1 877 341 1299
A family home with a cat

Do I qualify for refinancing?

The short answer is – if you own a home/mortgage there’s a great chance you qualify. We will collect your employment history (3 years), credit rating, and evaluate your current debts. We customize a Financial Game Plan for you to follow, getting you out of debt faster. Follow our Refinancing Process and start the path to financial freedom.

Why do you want to refinance?

The biggest benefit is lowering the amount of interest you're paying on the money you owe. Credit cards can have interest rates higher than 22%. If you have more then $5000 worth of unsecured debt, refinancing might be right for you.

Refinancing is extremely common.

An estimated 25% - 35% of Canadians will refinance their mortgages between 2018 - 2019. Now is the best time to reach for your financial goals.

The process is quick and easy.

Our refinancing application is quick and easy. Apply from the comfort of your home and we will do all the heavy lifting. What are you waiting for?

Refinancing is often the most cost-effective way to achieve your goals, but it alone is not enough. Partnering with your mortgage broker allows us to provide personal mortgage solutions specific to your needs. Whatever the reason, whether your child’s education, consolidating debt or home renovations, you need a solution best suited to you.

—Dan Putnam

SVP, Business Development, Residential Mortgages
CMLS Financial

The 4 steps to refinancing

1. Call or apply online

Getting started is simple. Call or apply online and we will gather all the information we need.

2. Information Gathering

Helping you control your debt starts with understanding your situation. We need the following documents:

3. Discover your options

We build a Financial Game Plan based on your unique situation. Paying less interest, increase your credit score, and save money.

4. Sign and start

Congratulations, you have completed the first step of the journey. We work with you over the next year to help you stay on track.

Get started today.

Have questions about how to get started? Call or email. Our experts will guide you through the process.

Mary Buzmion Champion Mortgage Associate in Guelph

Mary Buzmion

Mortgage Associate


If you have high interest debt like credit card debt and you own a house, you may be able to save money and be debt free years sooner. The process takes time, but it is possible. Champion Mortgage can provide the plan required to make your journey to financial freedom as comfortable as possible.

Reduced stress

1 in 5 Canadians feel extreme stress about their finances. Did you know there are options to help manage your finances? Financial struggles can have a real effect on your physical and mental health. Getting onto a debt recovery plan can provide you the support you need to reach financial freedom.

More time for family

It's common for people to feel embarrassed or stressed about their finances. Often this impacts their quality time with family. Make life brighter again and focus on the people that matter to you most.

Raise your credit rating

Do you have hopes and dreams about buying a second home, retirement, or helping family with education? Becoming debt free will boost your credit rating, allowing you to responsibly access the financial resources you need to make your dreams come true.

Refinancing Rate

Due to market volatility please call for rates

Our Monthly Newsletter can save you thousands

* Champion Mortgage services are almost always free. However, additional fees such as (legal, lender penalty, appraisal and discharge fees, etc.) may apply. Applicants with good credit often face zero fees. On accepted credit. Mortgage rates vary based on your credit score, assets, liabilities, down payment ratio, and a number of other factors. The best way to determine your true pre-approved rate is to call us at 1-877-341-1299.