Changing banks (refinancing)

Sometimes the grass really is greener on the other side. If you have a home loan and have decided to jump the fence to another bank, chances are you will need to refinance your property. Refinancing means you will need to discharge the mortgage with your former bank and register a new mortgage in favour of your new bank.

At The Firm, we understand that the refinancing process can seem daunting – the bank onboarding paperwork alone is hard enough! That’s why we're here to ensure that the transition is as seamless and straightforward as possible. Our experienced team will handle all the paperwork and liaise with both your old and new banks to make the process hassle-free for you. We take care of the details so you can enjoy the benefits of your new loan without any added stress.

Whether you’re seeking lower interest rates, better terms, or simply a lender that better suits your needs, our goal is to provide you with a smooth and efficient refinancing experience. From the initial consultation to the registration of your new mortgage, we’re committed to guiding you through every step with clarity and ease. Let us help you make your financial goals a reality with our expert refinancing services.

We have a fixed fee of $1,250.00 plus GST and disbursements to complete a refinance for you.

The Firm’s fees for changes to your mortgage

Lawyers generally charge by the hour, with different hourly rates depending on experience. It can be difficult to provide quotes or accurate fee estimates for certain areas of law due to being unable to quantify exactly what may be involved. Despite this, we believe there are certain areas of law where fixed fees can apply, or at the very least, accurate fee estimates.

The Firm offers fixed legal fees for the services detailed below. For information on The Firm’s legal fees for services not included on this page, please contact us or check out the Our Fees tab.


Fixed fees (plus GST and disbursements):

Changes to your Mortgage:

Registration of Mortgage: $750.00

Variation of Mortgage: $750.00

Discharge (no repayment): $500.00

Discharge (repayment): $750.00

Refinance (discharge and new mortgage): $1,250.00