How much can you save on a home?

Try our calculator below to see the difference yourself. Watch your payments grow and shrink, based on your credit score.



*Typically at least 5% of the mortgage amount


*Interest Rate

Monthly Payments

Monthly Interest

Down Payment

Total interest paid

Interest with better credit

Total interest paid

Savings with better credit
Congratulations!
You qualify for the best interest rates available
Congratulations!
You can now negotiate with lenders for the best rates
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We do things differently.

 

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Every payment you make gets reported to the credit bureaus, giving you that all important positive payment history.

 

Build your savings

By the end of your program, you'll have a stash of cash to use however you like*.

 

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Say goodbye to no

Hearing no when it comes to your finances will become a thing of the past with good credit, financial fitness, and savings up your sleeve.

How Do You Improve Your Credit Score When Buying a Home

Despite the huge hurdles, Canadians are still determined to be homeowners. We are tugging on those tethers trying to keep us from our goal. Against the odds, we're saving our down payments and opening our minds to smaller properties so we can pass the stress test. If you are one of these Canadians, determined to own a home no matter what is put in your way, you need to know how to protect your credit score through this process.

Here is some helpful insight in how to improve your credit score, in order to get the home and home mortgage you want.

Read More >>

How To Prepare Financially For Buying a Home

Buying your first home is exciting and rewarding, but it can also be very stressful, especially if you have poor credit and bad money habits. You can, however, reduce the stress of buying a home by ensuring you're financially prepared to do so. Here are four ways to ensure your finances are in order, before you start the process of buying your very first home.

Read More >>
*Savings begin to be built after paying off initial commitment fee.

Since signing up with Refresh I have done really well with my credit rating. I was able to sign up for a new credit card and now know my credit score is way better than what it used to be. I'm so glad I signed up for this program and am working towards making my credit score even better!! Your staff has been so helpful with anytime I have called in for any help or questions. I always speak highly of Refresh and explain how you guys have helped me from a bad credit score to one that I can be proud of. Thank you so much to Refresh for making it easy to get back to where I need to be!!! ”

Sarah, Aurora, ON