Mortgage Renewal vs Refinance, How To Save Money - Finance Fridays

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According to the median view from a poll of housing experts, average home prices in Canada have already fallen roughly 15.0% from their early 2022 peak and their value is forecast to drop a further 12.0% this year. Refinancing a home loan with negative equity is more complicated than a standard refinance. Under most circumstances, a lender cannot loan you more money than your home is worth. Conclusion: refinancing is NOT a viable option for the most distressed home owners in Canada - the ones that are "underwater".

johnmurray