Mortgage Refinancing
Refinance Your Mortgage the Smart Way
Refinancing means paying off your current mortgage and starting fresh—with better terms, a lower rate, or access to the equity you’ve built in your home. At Active Mortgage, we make the process simple, flexible, and tailored to your goals.
Whether you’re planning a renovation, buying a second property, or consolidating debt, refinancing gives you the financial freedom to move forward—with confidence.
Why Refinance with Active Mortgage?
- Access better rates by switching lenders
- Tap into your home equity to fund important goals
- Flexible solutions for self-employed or lower credit clients
- No cost to you when using traditional lenders
- Fast, expert service—start to finish
Refinance Requirements:
- Minimum home value: $200,000
- Location: Halifax Regional Municipality (HRM)
- Borrow up to 80% of your home’s value
At Active Mortgage, we work with a wide network of trusted lenders to match you with the best possible deal—even if your situation is unique. Let’s build your future on better terms.
Refinance Smarter: 3 Reasons to Go With a Broker
Get the Best Rate
Guaranteed
Don’t settle for standard—get the best rate through a trusted broker.
Mortgages That Work for You
Better rates, reduced penalties, and a mortgage that fits your future—just by switching.
Freedom Starts Here
Renew with flexibility—choose an open mortgage and sell or pay it off later with no penalties.
Current Mortgage Rates
5 Year
Fixed
4.34%
3 Year
Fixed
3.99%
5 Year
Fixed Special
3.94%
5 Year
Variable
4.45%
5 Year
Var Special
4.10%
Real Stories, Real Success: What Our Clients Say
Visit the Active Mortgage Blogs
We launched our nesto academy with one goal: To guide you in your life’s most important financial decision. Read & become a mortgage expert.
Nova Scotia Spring Market Reset | Active Mortgage Halifax
Is the Nova Scotia spring market resetting? Discover why waiting for lower mortgage rates might cost you more in the long run and get the latest March 2026 economic updates for Halifax
Mortgage Renewal: What Homeowners Need to Know
Mortgage renewal is a key moment in every homeowner’s financial journey. In Canada, most mortgages have a term of 1 to 5 years, but the amortization period is usually much longer. When the mortgage term ends, homeowners must renew their mortgage for another term. Understanding how mortgage renewal works can help homeowners secure better rates […]
5 Key Things to Consider When Buying Your First Home
Buying your first home is an exciting milestone, but it can also be overwhelming. From choosing the right location to understanding mortgage terms, the process involves several critical decisions that will impact your financial well-being for years to come. Here’s a quick guide to help you navigate this significant step. 1. Your Budget and Affordability […]
