
I’m a mortgage broker and co-founder of Miracle Financial, helping homeowners and buyers across Ontario find practical mortgage solutions. A large part of my work involves refinancing, debt…
Guelph, ON
Refinancing mid-term means breaking the existing mortgage, which brings a penalty calculation that varies enormously between lenders.
The brokers below work in Guelph and have told us they take these files on. Each one shows a licence number issued by the Financial Services Regulatory Authority of Ontario (FSRA), check it before you make contact. Contact details are held back deliberately: the connect button sends your enquiry to that broker alone, and it is never resold.
One of these brokers has a mapped office. Tap the pin to open the profile.

I’m a mortgage broker and co-founder of Miracle Financial, helping homeowners and buyers across Ontario find practical mortgage solutions. A large part of my work involves refinancing, debt…
Unclaimed listings. They haven't told us which situations they handle, so ask when you get in touch.
Every listing shows the regulator and licence number. In Ontario, look that number up on the Financial Services Regulatory Authority of Ontario (FSRA) public register. If a broker cannot give you a licence number, that is the end of the conversation.
Sometimes. Refinancing mid-term means breaking the existing mortgage, which brings a penalty calculation that varies enormously between lenders. Whether the rate differs depends on which lender the file ends up with, not on the broker you choose.
No. Position on this page is set by profile completeness and listing age. Sponsored placements exist elsewhere on the site and are always labelled as such.
It goes to the one broker you selected. It is not copied to other brokers, sold to a lead buyer, or passed to a lender. Most brokers reply within one business day.
No, but it helps. Local brokers know which lenders are comfortable with property in Guelph, which appraisers get used, and how long closings realistically take in this market.