HELOC vs Refinance: What Makes Sense in Today’s Ontario Market?

Ontario homeowners have more options than ever — and more ways to make expensive mistakes.
This education-focused session breaks down when a HELOC makes sense, when refinancing is smarter, and what to consider in today’s interest-rate environment.
No pressure. No sales.

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### We’ll Cover

• HELOC vs refinance — key differences
• How interest rates change the math
• Cash flow impact (the part people ignore)
• Common mistakes homeowners make
• Open Q&A

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### Who Should Attend

Homeowners • HELOC or refinance seekers • Business owners • Anyone with home equity

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📞 Questions? Call SAMI: +1 (647) 581-6588