5 Steps for Refinancing Your Mortgage

If you decide to refinance your existing mortgage and place a new mortgage on your existing property L&H will be happy to assist you.

Here’s how the process works:


  • The first step in this process is to advise your mortgage broker or lender that you will be using L&H as your solicitors and provide them with our contact information.
  • Once the broker or lender provides our office with all of the necessary documentation, we will contact you to set up an appointment to sign the relevant paperwork.


In order to ensure that the Refinance goes smoothly please email or call us with the following information:

  • Full name(s), phone number(s), email address(es) and marital status and/or relationship of each person named on mortgage (including any guarantor(s), if applicable) for all people listed on the new mortgage.
  • Details of your existing mortgage (if any), including the name of the lending institution, the mortgage reference number and branch address/contact.
  • If you are required to pay out any existing debts, such as credits cards, student loans, line of credits, etc. please provide us with the relevant account numbers/statements and details associated with those debts so that we are able to make the necessary payouts on closing.
  • We will require two (2) pieces of government issued identification (ID) for each person named on the mortgage. The first ID must be a photo ID such as a driver’s licence or passport. The second piece can be a credit card/birth certificate/SIN Card/etc. Please provide both front and back of the ID (note: Health Cards are not sufficient) at our meeting.
  • Please provide us with your insurance certificate/binder with the updated mortgage information. You will need to contact your insurance broker/company and have them fax our office the insurance certificate/binder (NOTE: Not applicable when refinancing a condominium).
  • Please provide our office with a copy of a “VOID” cheque with the name of at least one (1) of the people on the mortgage on the cheque.


  • Once our office has received all of the necessary documentation from the lending institution, we will prepare your file and contact you to set up an appointment.


  • After our office has successfully registered the new mortgage on title to your property we will make all of payments of prior mortgages, debts, etc.


Closing Package

  • Within two (2) months of your closing date, our office will mail you all of the relevant documents and a detailed breakdown of the costs and fees associated with your purchase.

Contact us today to get started.

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