Home Financing & Refinancing Services
At SankShine, we also offer expert guidance on home financing and mortgage refinancing, helping clients secure the most competitive rates and lending solutions in Canada. Whether you’re a first-time buyer or looking to restructure your existing mortgage, our team is here to simplify the process and maximize your savings.
Mortgage Solutions
We partner with BMO to provide tailored mortgage solutions that suit your financial goals. Whether you’re a first-time homebuyer or refinancing, BMO offers competitive fixed and variable-rate options, low down-payment programs, and flexible features like prepayment privileges and a 130-day rate hold. With access to BMO’s Homeowner ReadiLine® and exclusive savings on closing costs, we help make your homeownership journey smooth and affordable.
Debt Restructuring & Consumer Proposals
We support clients through Debt Restructuring & Consumer Proposals by focusing on four key pillars: Assessment, Negotiation, Consolidation, and Recovery. We start with a personalized financial Assessment to understand your debt situation. Then, we Negotiate with creditors to reduce interest or settle outstanding balances. Through Consolidation, we help simplify multiple debts into manageable payments—often via a licensed insolvency trustee. Finally, we guide you through financial Recovery, equipping you with tools to rebuild credit and regain long-term stability. Our approach is compassionate, confidential, and designed to help you regain control of your financial future.
Home Equity Line of Credit
We help you unlock the value of your home with a Home Equity Line of Credit (HELOC)—a flexible borrowing solution that lets you access funds as needed, using your home as collateral. Whether you’re planning renovations, consolidating debt, or covering major expenses, a HELOC offers lower interest rates than most credit cards and personal loans. With interest-only payment options and the ability to reuse available credit, it’s a smart way to manage your cash flow while preserving long-term financial flexibility.
Refinancing (1st, 2nd, 3rd Mortgages)
we provide expert guidance on refinancing and securing 1st, 2nd, and even 3rd mortgages to help you meet your evolving financial needs. Whether you’re looking to lower your current interest rate, access home equity, or consolidate high-interest debt, we tailor refinancing solutions that align with your goals. A 1st mortgage typically covers your primary home loan, while 2nd and 3rd mortgages can offer additional funds by leveraging your home’s equity—ideal for renovations, investments, or emergency expenses. Our team ensures you understand the risks, benefits, and repayment terms, helping you make informed decisions with confidence.
Investment Loans
We proudly offer Investment Loans powered by B2B Bank to support your wealth-building strategies. With flexible loan structures—100%, 1:1, 2:1, or 3:1 leverage—you can amplify your investment potential using eligible securities as collateral, all at competitive variable rates starting at Prime + 0.50%.
These loans can accelerate your savings through compounding returns, and in many cases, the interest may be tax-deductible—making it a powerful tool for long-term growth. We’ll guide you through the process—from application and pledge agreements to choosing interest-only or principal+interest repayment options—ensuring you’re fully aware of both the growth opportunities and the risks of leveraging.
Whether you’re focused on RSP, TFSA, or non-registered investments, Sankshine + B2B Bank provides a streamlined, advisor-supported path to smart capital allocation.
