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  • Home
    • About Ryan
    • Tesimonials & Reviews
    • Privacy Policy
    • Booking
  • Mortgage Types
    • Purchase Mortgages
      • First Time Home Buyers
      • Repeat Buyers
      • Second Homes / Vacation Property
      • Investment / Rental Properties
      • New Construction
      • Multi-Unit Properties
    • Refinancing
      • Home Improvements - Renovate
      • Debt Consolidation
      • Equity Take Out
      • Home Equity Lines of Credit
    • Renewal
      • Shop Around!
      • Mortgage Transfer
      • Renegotiate
      • Renew Early
    • Other Mortgages
      • Self-Employed / Stated Income
  • Tools
    • Mortgage Calculators
    • Rent vs. Buy Calculator
    • Mortgage Glossary
    • Home Buyer's FAQs
  • Blog
  • Apply Now

Make Your Home Equity Work For You!

Like many other Canadians you may be considering using the equity you've built in your home to re-invest in your dreams or consolidate debt. When you're ready to get started, give me a call!

Refinancing Options

A mortgage refinance allows you to increase or add extra money to your mortgage, so you can afford the things you've always wanted. It can help save you money and help you consolidate your debt into one convenient payment.

Refinancing might be right for you if you want:

  • To consolidate your debt at a lower rate of interest than most major credit cards and loans
  • Help with the kids' education costs, your dream vacation, perfect vehicle, a home renovation and more.
  • Emergency funds to handle unexpected expenses.
  • To purchase investments or maximize your RRSP contributions.
  • A residential property, including rental properties of up to four units.

Let me guide you through the options for utilizing the . I can explore how taking advantage of flexible mortgage features and interest rates can allow you to withdraw equity while keeping your payments affordable.
With our expertise and advice, we can help get you the best mortgage product to match your goals.


Ryan W. Smith - Mortgage Broker
House & Home Mortgage Co. 
546 St. Paul St. #250
Kamloops, BC, V2C 5T1

House & Home Mortgage Co. Is a division of Verico Compass Mortgage Group. All Verico franchises are independently owned and operated. 
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