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  • Why Consider Unimor?

Get Access to a Wide Range of Refinanced Mortgage Options:

Unimor can help you get approved for refinancing at some of the lowest mortgage rates seen in decades. We offer many different mortgage refinancing solutions for all types of situations. Not sure which refinance solution below is right for you? We can help! Request your confidential free quote online or call us toll free from Windsor or anywhere in Ontario (866) 842-4711. We offer:

Fixed Rate:

Provides a secure interest rate that stays the same for the entire length of your mortgage refinance term. Read More

What is it? A fixed-rate refinance loan is a fully amortizing mortgage loan where your interest rate remains the same through the term of your loan, as opposed to variable rate refinance loans where your interest rate may “float” (based on economic conditions).

Who is it for? If you are more comfortable with the stability and security of paying a fixed amount every month, and plan to stay in your home long-term, a fixed rate refinance loan through Unimor may be right for you.

Compare historical savings between fixed and variable rate.

Variable Rate:

A favourable choice for many Unimor clients. The past 30 years indicate that refinancing with a variable rate mortgage is a better loan option than a fixed rate by more than 80% of the time. Read More

What is it? A variable-rate mortgage interest rate may periodically adjust based on prime lending rate. This adjustment can affect the cost of borrowing (increase or decrease) on your loan. Long-term, variable rates have proven to be the least expensive.

Compare historical savings between fixed and variable rate.

Convertible Rate / 50-50 Refinance Loan:

Refinancing with a convertible rate or 50-50 refinance loan allows you to get the best of both loan types, a variable rate at the beginning of your loan term, with the option to change that rate into a fixed rate anytime you choose. Read More

What is It? A convertible rate / 50-50 refinance loan offers two loan portions which operate independently of each other. You can choose to make prepayments on the fixed portion which has the higher interest rate or you can choose to pay down the variable portion aggressively which in turn further minimizes your future interest rate risk.

Who is it for? If you are unsure whether a variable or fixed rate loan is right for you, Unimor’s convertible / 50-50 refinance loan eliminates the dilemma by combining both. Contact us for more information.

Up To 80% Loan to Value (LTV) / High Ratio:

Refinance your home with up to 80% loan to value when circumstances require greater access to your equity. Read More

What is it? Loan-to-value (LTV) ratio is the amount of your first mortgage compared to the total appraised value of your property as a percentage. Lenders set upper limits on the loans they are willing to make based on LTV ratios. Unimor offers refinance mortgage loans up to 80% LTV.

Who is it for? If your circumstances require using more of your home’s equity, a higher ratio mortgage loan may be a good option for you.

Cash Back Refinance Loan:

Cash-back mortgages make near-85% loan to value refinances possible when necessary, and help if funds for closing costs are short. Read More

What is it? Through a cash-back refinance mortgage you receive a rebate at the time of closing of the mortgage. Rebates vary between 1% to 5% of your mortgage amount depending on the lender and term of loan. Lenders never require being paid back directly, instead a lender increases the interest rate on the entire mortgage to recoup their costs.

Who is it for? The refinance loan type is mainly used for first time home buyers, but can also be used when refinancing.

Second Refinance Mortgage Loan:

A second refinance mortgage is a separate loan taken after the first mortgage, and it is secured against the same assets as the first. Depending on your goals it can be a viable option. Read More

Though refinancing a second mortgage may not be right for everyone, for some people, doing so works to their advantage. Unimor offers highly competitive rates and terms when refinancing on a second mortgage when it makes financial sense.

Damaged Credit Refinancing:

Many banks simply refuse to deal with homeowners with bad credit. Unimor offers a network of high-ratio and non-conventional lenders that can help you get approved when all other lenders have said no. Read More

Even with damaged credit, there may still be refinance solutions available to you. Unimor has relationships with dozens of traditional and non-traditional lenders. For over 30 years we’ve been helping clients with bruised credit get approved. The Unimor team specializes in finding mortgage products for people who may have been declined for mortgages in the past or who are struggling to service their existing debt. So smile, more often than not we can help. Request your quote today.

Interest Only Refinancing:

Normally for shorter periods, interest only refinance loans offer flexibility and lower monthly payments. Read More

What is it? An interest-only refinance loan is a loan set for a term, wherein the borrower pays only the interest on the principal balance, but with the principal balance unchanged. At the end of the term the borrower may continue the interest-only mortgage, pay the principal, or (with some lenders) convert the loan to a principal and interest payment (or amortized) loan at his/her option.

Who is it for? If your goal is to free up cash flow allowing you to make larger payments on other forms of high-interest debt, such as credit cards or a home equity loan, a Unimor interest only refinance loan may be right for you. Keep in mind however that a high interest only mortgage can help you get out of debt as long as you use your money wisely and direct it either into paying off other forms of debt or into savings.

No Income Verification:

A no income verification refinance loan provides an opportunity for a borrower to purchase a mortgage without verification of income. Read More

What is it? Also referred to as a no doc loan or low doc loan, the no income verification mortgage is perfect for those who cannot verify income with traditional documentation such as pay stubs, T4s, or personal notices of assessment tax statements.

Who is it for? If you are self-employed, paid primarily through commissions or contract income, Unimor’s no income verification refinance may be a good option for you.

Business for Self / Self Employed:

Refinance options for self-employed borrowers who can explain and prove capacity to repay without traditional GDS/TDS requirements. If you are unable to prove income and are self employed, a No Income Verification Refinance Loan might be better for you. Read More

What is it? A refinance loan designed for those who are self employed or a business owner. Instead of T4’s our lenders look at your credit history and 3 year’s financial statements, notice of assessments and/or tax returns… or combination of. Without having to fit into traditional GDS/TDS guidelines, self employed borrowers have a better option when refinancing their mortgage.

Who is it for? For business owners or self employed individuals who are able to present financial history by either 3 years notice of assessments, tax returns and/or financial statements. Contact us today, we can help you decide if this is the option for you.

Short and Long Term Refinancing:
A short-term refinance loan that typically lasting between six months and five years. Depending on your goals, short-term refinance may provide you a lower rate than other loans. Longer term refinance loans can help lower your monthly payments. View loan details.
Unimor Capital’s lender refinance loans are offered in both open and closed options. Not sure which refinance mortgage is right for you? We are here to help. Request your free quote today, or call us toll free.

Start your refinance search with a trusted agent. Member: BBB, IMBA, Trust Guard Verified

A Well Planned Unimor Refinance Loan Can Help You:

Refinance To A Lower Rate
It’s still an excellent time for you to change the term of your current loan and move to a lower interest rate. We can help you cost effectively transfer your current mortgage to a shorter term and lower interest rate, or blend two mortgages together into one lower rate mortgage and save you money. Today’s competitive mortgage rates could mean less money towards your interest every month and more money in your pocket.
Consolidate High Interest Debt
Avoid the negative financial bounce that high interest credit cards can cause. The added interest expense could begin to play havoc on your monthly budget. A lower interest cash out refinance loan can help pay down a pocketful of credit cards & other bills, and improve your monthly cash flow. Make one low monthly payment instead of several, and pay less overall each month. More about debt consolidation.
Complete Home Renovations
What kind of shape is your home in? More and more homeowners are opting to renovate their existing home instead of purchasing another. Whether you need new siding, an extra bedroom, or even a new heating system, refinancing can be a sensible solution. By increasing your monthly cash flow, you’ll have money to make repairs or home improvements and increase the value of your home.
Fund University or College Programs
If your job disappears, how well positioned are you to quickly land on your feet and find a new job? Taking a class – or even earning a degree – can help offset the sting that a layoff could bring, especially if you’re able to secure a better-paying job. A mortgage refinance loan can put the cash you’ll need to pursue a new career into your hands.
Pay Unexpected Medical Expenses
Life is as unpredictable as the economy, and sometimes unforeseen medical needs crop up – from emergency care to specialized treatments. If your insurance has limitations that can put you at financial risk, a refinance loan may offer a quick solution.
Increase Rental Income
Leverage the equity in your rental property to buy an additional property and expand your investment portfolio. By increasing your monthly cash flow, you’ll have more money to make necessary repairs or improvements and increase the value of your investment property.
Unsure? We are here to help. Request your free quote today, or call us toll free.

Start your refinance search with a trusted agent. Member: BBB, IMBA, Trust Guard Verified

Detailed Analysis of Pre-Payment Penalties
Ready to close your mortgage term out early? Many lenders have rules that can hinder your goals. We’ll analyze the fine print of your mortgage options and help you choose the right refinance product based on your short or long term property ownership goals.
No Hidden Fees or Commitment to Worry About
Unlike many other mortgage companies you won’t find any fees secretly buried in your refinance loan. We believe in full transparency and disclosure throughout the entire process. We want you to feel completely confident about your choices. At Unimor there is no commitment, obligation, or cost for a mortgage quote. Our role is to provide you with details about rates, terms, related costs, and the best possible advice for your situation, but ultimately YOU decide if you are comfortable accepting a lender’s offer. If you choose to not move forward, there is no cost to you whatsoever.
Access To Surprisingly Low Interest Rates
Millions of dollars in in refinance loans have been processed through Unimor Capital. Why is this important? Because it is this volume that helps ensure our lenders offer you some of the most competitive refinance rates on the market! Think of it as buying in bulk – the more we buy, the more you save.
An Array of Refinance Lending Options
When you request a personalized refinance quote, we immediately screen rates and promotions of dozens of different mortgage refinancing Ontario & Canadian lending partners, including chartered banks, trust companies, credit unions, non traditional lenders, or private lenders, to find you the lowest interest rate for your situation. With dozens of lending products at your disposal, we’re confident we can provide you with a refinance quote you will smile about.
Quick Close Refinance Loans
According to many past clients we close our refinance loans in half the time as other brokerages they’ve worked with. We’re not just a 9 to 5 company. We work tirelessly to make sure you get the best possible quote and your loan closed in as short a time as possible! Even if it means working through the night to get your time sensitive deal closed. That is our unwavering commitment to you!
With thousands of clients and over 500 million financed since 1980, Unimor has the experience to get you approved at the lowest rate for your situation. You can feel confident knowing we will handle every detail of your refinance loan efficiently from start to close.
Ongoing Communication:
We keep you informed and feeling comfortable about the details every step of the way!
Finding the right refinance loan can be stressful. Very stressful. From the time you request your free mortgage quote, to the day you close on your loan, we make the entire process as convenient, easy, and as low stress as possible. Bottom line, we know you’re busy, so we cut the red tape out as much as possible.
Ontario Wide Service
For clients at a distance, we’ve streamlined the entire mortgage application process. Through phone, fax, and email, all paperwork is efficiently and securely handled in minimal time.
Trusted Experts in What We Do
For years we’ve been helping people like you find the perfect refinance loans. Unimor is a member of IMBA – (Independent Mortgage Brokers Association of Ontario), which sets the “gold standard” in ethics and knowledge of its associates. We are also a member of good standing with the Better Business Bureau. More about us

The content provided on this website is presented or compiled for your convenience and is provided for informational purposes only. The information provided on this website should not be construed as offering legal, financial or other advice to be relied on by the reader to make or refrain from making any decision or to take any action. Please consult us first before making any decisions. Although we make every effort to ensure accurate mortgage interest rates on Mortgage Approval, rates are subject to change without notice at any time. Some rates may be subject to minimum credit score, loan amount and may only be available certain lending areas. Cash back mortgage Ontario residents only. Unimor Capital is a Windsor mortgage broker.