Although switches and refinances are often mistaken as one and the same, a switch is when your mortgage becomes due for renewal and you do not need to access any additional equity in your home. We simply take your mortgage ''as is'' and switch it over to a new lender with today's best interest rates. We have the knowledge and the lenders to do this with you at little or no cost to you. Our lenders will order and pay for the appraisal and legal costs*. You can also cap into your new mortgage, up to 2000$ of penalties* charged by your current lender.