Is "The Refinance Decision Framework" really free?

Yes. The Refinance Decision Framework is a free 24-page guide. Enter your email and we'll send the PDF right away — no cost and no obligation.

What does "The Refinance Decision Framework" cover?

It runs 24 pages across 7 sections — including The 3 reasons people refinance (and the 1 they shouldn't); Penalty math: 3 months interest vs. IRD, simplified; Break-even analysis: a sample spreadsheet you can copy, and more.

Is this guide specific to Canada?

Yes. It's written by the FSRA-licensed team at Mortgage Squad Advisors (Brokerage #13737) for the Canadian market, with rules, programs, and rate context current for 2026.

Do I have to be a Mortgage Squad Advisors client to get it?

No. The guide is free to anyone — whether you're ready to apply or just researching your options.

How do I get advice for my own situation?

Ask Maya, our AI advisor, free 24/7 in 50+ languages, or book a no-obligation call with a senior broker. The guide explains the concepts; we tailor them to your file.

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The Refinance Decision Framework

24 pages · PDF · Free, no signup

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The Refinance Decision Framework

When the math actually works — and when it doesn't

Refinancing isn't always a win. This guide gives you the spreadsheet we use internally: penalty + fees vs. monthly savings + break-even, with three worked scenarios (rate drop, debt consolidation, equity take-out).

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Inside the guide

7 sections

1The 3 reasons people refinance (and the 1 they shouldn't)
2Penalty math: 3 months interest vs. IRD, simplified
3Break-even analysis: a sample spreadsheet you can copy
4Debt consolidation: lifetime cost vs. monthly cashflow
5Equity take-out: when investors should, when they shouldn't
6Mid-term refinance triggers (rate drops 75bps+)
7Switching lenders mid-term: what it actually costs

Frequently asked questions

Is "The Refinance Decision Framework" really free?: Yes. The Refinance Decision Framework is a free 24-page guide. Enter your email and we'll send the PDF right away — no cost and no obligation.
What does "The Refinance Decision Framework" cover?: It runs 24 pages across 7 sections — including The 3 reasons people refinance (and the 1 they shouldn't); Penalty math: 3 months interest vs. IRD, simplified; Break-even analysis: a sample spreadsheet you can copy, and more.
Is this guide specific to Canada?: Yes. It's written by the FSRA-licensed team at Mortgage Squad Advisors (Brokerage #13737) for the Canadian market, with rules, programs, and rate context current for 2026.
Do I have to be a Mortgage Squad Advisors client to get it?: No. The guide is free to anyone — whether you're ready to apply or just researching your options.
How do I get advice for my own situation?: Ask Maya, our AI advisor, free 24/7 in 50+ languages, or book a no-obligation call with a senior broker. The guide explains the concepts; we tailor them to your file.

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