We make refinancing your home simple
When you refinance, you replace your current mortgage with a new one. The new mortgage could reduce your interest rate, loan term or both. This is called a Limited Cash Out Refinance. You can even include the closing costs in the new mortgage amount.
If you're not looking to pay off your mortgage early or lower your monthly payments, you can refinance your mortgage to access the equity in your home. You can use the funds for home renovations, debt consolidation[@debtconsolidation] or other major expenses. This is called a Cash Out Refinance.
Mortgage calculators
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Our refinance mortgage rates
Find out more about refinancing with us, and get a quote based on our most up-to-date rates.
Cash-out refinance options
There are 3 cash-out refinance options available. Choose the one that works best for your needs.
- Limited cash-out refinance: pay off your existing mortgage, and include closing costs in your new loan amount if you like. This option may allow you to reduce your interest rate, loan term, or both.
- Cash-out refinance: pay off your existing mortgage and access additional funds in your new mortgage loan amount. This option allows you to turn your home’s equity into a source of funds for life’s major expenses.
- Cash-out refinance - all cash purchase[@cashoutrealtor]: reimburse yourself by obtaining a mortgage within 6 months of your all-cash purchase, without the additional interest charged on a typical refinance transaction.

Top reasons to refinance
- Lower your monthly paymentsTake advantage of favorable mortgage rates to possibly lower your payment and improve your monthly cash flow.
- Pay off your mortgage earlyPay off your home mortgage sooner by refinancing for a shorter term. While your monthly payments may be higher, you may pay less interest over the life of the loan.
- Access equity in your homeBy refinancing, you can access the equity in your home to obtain funds for home renovations, tuition payments, debt consolidation or other major expenses.
- Move from an ARM to a fixed rate mortgageIf you currently have an adjustable rate mortgage (ARM)[@arm] that will reset soon and are concerned about rising rates, consider switching to a fixed rate mortgage. This would allow you to enjoy the convenience of a stable monthly payment.
Our mortgage products

HSBC Select Mortgage
For borrowers with no HSBC relationship or existing customers with less than $25,000 in combined personal deposit and investment balances.
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