We all love a good before‑and‑after reveal. The truth is, a refinance can deliver that same transformation — but for your finances. When we put the pieces together properly, the “after” can feel like you’re living in a different house, even if you never moved.

Before: A London family was carrying $1,200/month in non‑mortgage debt payments (credit cards and an LOC) on top of their mortgage. They were paying their bills, but the stress was constant. Vacations and upgrades were always “next year.”

Plan: We audited every line — balances, rates, payment schedules, prepayment penalties, renewal dates — and modeled three scenarios: 1) do nothing, 2) refinance to match current amortization, 3) refinance with a slightly longer amortization to maximize breathing room. They chose Scenario 3 for a season of relief, with a plan to accelerate payments once their cash buffer was built.

After: Their monthly obligations fell by ~$800. They set up automatic transfers: $300 to savings, $200 to kids’ activities, $300 toward a renovation fund. The difference wasn’t just math — it was morale. They had a plan, and the numbers finally supported the life they wanted.

Is a makeover right for you? If you’re paying double‑digit interest elsewhere, or you feel house rich and cash poor, the numbers may tell a hopeful story.

Related reading:

- The Secret Life of Your Mortgage: https://jasmortgages.ca/blogs/b/new-blog-post-7903

- When Did Life Get So Expensive?: https://jasmortgages.ca/blogs/b/new-blog-post-1575

Ready to see your numbers? Book a time here: https://jasmortgages.ca/book-appointment
Or call me at 226-688-6680 / email me at [email protected]