Refinancing Your Mortgage in Edmonton? Let’s Make It Worth It.

Whether you’re looking to lower your payment, access equity, or reduce debt, I’ll help you weigh your options and refinance with confidence.

Your Mortgage Might Be Holding You Back More Than You Think

Whether your payments are higher than they need to be, your rate’s no longer competitive, or life has just shifted—your current mortgage might not be working for you anymore. But figuring out if it makes sense to refinance (and how) can feel like one more thing on a long to-do list.

And With All the Fine Print, It’s Hard to Know What’s Actually Worth It.

There’s a lot of noise out there—some say break your mortgage and save big, others warn of penalties and hidden fees. It’s tough to know what’s real and what’s risky. If you’re carrying high-interest debt, need room in your monthly budget, or want to pull equity for a renovation or investment, refinancing can help—but only if it’s done right.

Let’s Look at the Full Picture—And Build a Refinance Plan That Makes Sense.

Bringing Real Estate and Mortgages Under One Roof

I’m Zenon Komarniski, and I help homeowners across Edmonton refinance smartly—not just to chase rates, but to reach real goals. I’ll break down your current mortgage, run the numbers on your options, and explain everything in plain language. If refinancing makes sense, I’ll help you lock in the right product with terms that support your long game—whether that’s reducing your payments, consolidating debt, or tapping into home equity to invest or renovate.

Here’s what it looks like when we team up:

A clear breakdown of your current mortgage

I’ll show you exactly where you stand and what’s working—or not.

A personalized refinance analysis (not just rate shopping)

We’ll run the numbers together to see what makes real sense for you.

Straight-up advice in plain English

No pressure, no jargon—just honest answers and helpful insight.

Debt consolidation options, if that’s part of the goal

If high-interest debt is weighing you down, we’ll look at how to roll it in smartly.

Want to Learn More About Refinancing in Alberta?

Here are a few trusted resources I often share with clients who want to dig into the numbers or get a second opinion. No pressure—just solid info.

Government of Canada - Renewing or Breaking Your Mortgage

Covers what happens if you want to break or renegotiate your mortgage contract, including tips on costs and timelines.

Read more about renewing your mortgage here.

City of Edmonton - Property Assessment Tool

Want to know how much equity you might have? Use this tool to check your home’s assessed value in Edmonton.

Learn more here

FAQ: Mortgage Refinancing in Edmonton

What does it mean to refinance a mortgage?

Refinancing means replacing your current mortgage with a new one—often with better terms, a lower rate, or access to built-up equity. You can refinance to save money, change your payment schedule, consolidate debt, or fund big goals like renovations or investing.

Is refinancing worth it in today’s market?

It depends on your current mortgage rate, your goals, and the potential savings. Even if rates have risen, refinancing might still make sense if you’re consolidating higher-interest debt or accessing equity. I’ll help you run the numbers and see if it’s the right move.

What are the costs of refinancing in Alberta?

Refinancing can include things like legal fees, appraisal costs, and potential penalties for breaking your existing mortgage early. But the savings or flexibility you gain might outweigh the upfront costs. I’ll walk you through all of this before you make a decision.

Can I refinance to consolidate debt?

Yes—this is one of the most common reasons people refinance. You can roll high-interest debt (like credit cards or personal loans) into your mortgage and pay it off at a much lower rate. I’ll help you build a plan that improves cash flow and reduces stress.

How soon can I refinance after getting a mortgage?

You can technically refinance at any time, but penalties may apply if you’re still in a fixed term. We’ll review your current mortgage and lender agreement to figure out the smartest timing and strategy.

How much equity do I need to refinance in Edmonton?

Most lenders want you to keep at least 20% equity in your home after refinancing. If your home has appreciated or you’ve paid down your mortgage significantly, you may be in a strong position to access equity.

Make your first step today

Your Mortgage Refinance Strategy Roadmap

Whether you’re just starting to think about buying a home or already have a place in mind, I’ll help you take the next step with confidence. No pressure, just a chat — fill out the form below to get started.

Mortgage Refinance Form

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