In October 2023, there are many mortgage refinancing services that offer competitive rates. Forbes Advisor has some of the best rates in any province, while Nesto offers mortgage portability and prepayment privileges. Dominion Lending Centres has rates well below standard bank rates and The Mortgage Centre has access to hundreds of respected lenders. DUCA stands out with its 3-year fixed rate, though it is insured and high. Closing timelines are undisclosed but it is recommended to assume a standard of 30 days.