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Whether you are a first time home buyer or a seasoned investor, buying a home with a mortgage involves securing a loan from a financial institution to fund the purchase of a property. This process includes:

1) Getting Pre-approved

2) Viewing Properties

3) Loan Approval

4) Lawyer’s Appointment

5) Possession Day

When you refinance, you essentially use your home equity to pay off your current debt using the loan, which can lead to lower monthly payments, better terms, reduced overall interest costs, or a change in the loan's duration.

Refinancing can be a strategic financial move to save money, reduce financial stress, or free up funds for other purposes. It's important to carefully consider the costs, benefits, and potential impact on your financial situation before deciding to refinance.

Mortgage renewal involves switching or extending your existing mortgage agreement once its initial term ends.

This process allows you to adjust terms, interest rates, and payment schedules based on current financial circumstances and market conditions. It's a chance to secure favorable terms and continue repaying your home loan with updated arrangements.

Whether you are upgrading, downsizing, or relocating, the process of listing your home and purchasing a new one involve legal and financial considerations, as well as the expertise of professionals like real estate agents and your mortgage broker to ensure a smooth and legally compliant transaction.