Mortgage Refinancing with Debt Consolidation Can Save You Thousands of Dollars. Use My Mortgage Expert Advice and Save Cash!
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Mortgage Brokerage Lic. #10426

 Call: 226 224 2834

I would like to say thank-you so much for everything you have done for me and my family.

Joe I will be in contact with you in about 20 months to see if you can put this 2nd morgage into our 1st. Again thanks so much!

You were really great to our family!!! Talk to you again in a couple of years!!

Nicole and Terry Harris

I would definitely recommend you to friends and relatives.

The whole process was relatively painless and very quick.

From the time I received your first response until the time the closing papers were sent to the lawyers was less than 1 week.

I was very impressed with your efficiency and professionalism.

Ingrid Clarke-Pitt

Joe took a lot of pressure of my wife Pat an myself at the time of our retirement when we had no options he found us a perfect one.

He was fantastic and a great person to deal with Thanks Joe for making our retirement easier on us!

Raymond Bennett

Thank you for your quick and easy solution to our financial problems. Things will now be alot easier to handle around here.

You have freed up about $500 a month which will make paying the bills a breeze.

Thank you again for your help, again.

Debbra Burns

Thank you very much. It was a pleasure doing business with you.

The service was great the process was very easy and we were very pleased with the outcome as we saved hundreds of dollars each month.

David & Kelly Gale

You were awesome to work with and I appreciate how knowledgeable you were and the speed in which everything was done. Thanks again for all your help.

Sherri McKenna

My husband and I are very pleased with your services. It has brought our monthly payments down to almost half.

I will certainly keep you in mind for anyone else needing the financial help in the future. Again thank you for all you hard work.

Diane Osborne - Flude

Dave and I would like to thank you for all your help with our debts. I feel that we can get ahead now. You are very kind and give exceptional customer service as well you treated us with repect.

Tina and Dave Pilon

Just wanted to say it is I who should be thanking you for the Execellent service you provided me. Not only was your service very Professional, you made every step quite simple. I have already recommended you.

Mervyn Parris

Thank you very much for you help!

It was great dealing with someone who understands the urgency of such cases as mine, and deals with his clients in a timely and caring manner - certainly a nice switch from the big bank treatment.

Peter Chaba

Joe Malek was amazing and went way beyond our expectations. They were great from start to finish and really helped us out. Thank you!

Dennis Family

Hi Joe, This is a quick note to congratulate you on another job well done. It isn't very often in this day and age anyone goes out of their way to provide services the way you do fast, reliable, trust worthy As always I would recommend you to anyone
needing financial assistance.

Bill & Marie Berrill

Joe made our lives so much easier by saving us $1,300 per month.

It was the quickest and easiest thing I've ever had to do to get the best mortgage rate possible and of course save ourselves money.

Joe was quick and extremely efficient. He handled everything that needed to be done.

I would recommend Joe to anyone. His professional and courteous attitude is a pleasant bonus.

Jacqueline Micallef

I was very leary about applying for a consolidation loan over the internet but I was in some financial trouble and needed a way out.

Well Joe Malek with Refinancing Tips did that, found me a way out. After giving my information to him Joe said "Leave it with me and see what I can do" I thought to myself hear we go again another refusal.

You see I have been turned down by 3 major banks and even some loan companies.

Joe called me back in a couple of days and had something for me. He was able to save me about $456.00 a month and in my postion thats alot of money.

I would like to thank Joe Malek for all his work (all I did was answer questions which made the process easy) and I would definitly recommend him to anyone I know who is having money problems.




From: Joe Malek,

Joe Malek

Dear Friend,

Are you thinking of refinancing your mortgage?

If you have other debt then why not to take advantage of your home equity and consolidate all your debt into one low monthly payment including loans, car loans and credit cards and save hundreds of dollars each month.

I've already helped hundreds if not thousands of people just like YOU to refinance mortgage and consolidate debt. All of them now are now enjoying lower interest rate and lower monthly payments and at the end of the month they are left with more money in their pockets.

Would you like to save hundreds or thousands of dollars each month?

If your answer is yes then let’s get started today!

I have multiple mortgage lenders which will compete for your business and that is a great way to ensure you get the best rate for your situation.

These mortgage lenders include major banks, credit unions, trust companies and other national and regional lenders, which means I can put significant negotiating power behind finding the best mortgage to fit your specific situation.

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If you choose to refinance mortgage before the end of your term then you will have to pay some fees to your current lending institution, but in many cases, it is better to pay the penalty for early mortgage refinancing especially when you want to take advantage of your home equity to consolidate bills, reduce your interest rate and monthly payments.

I will work with you to simplify the mortgage refinancing process and I will make sure you get the right mortgage solution to fit your needs.

Read below, what some of my clients are saying about my services. If you want to read more testimonials then click here.

“Hi Joe, I would like to express my sincere gratitude for your assistance in getting our refinancing in a difficult situation and at a very good rate too! We closed yesterday and I really don't think we could have done this without your knowledge and expertise. THANK YOU! Terry Wastesicoot, Ajax, Ontario”
“Hi Joe, Thank you very much for all of your help. We really appreciate your promptness and your great knowledge. You have made this process a great ease and pleasure. Thank you! Cheryl and Robert McLachlan, Oshawa, Ontario”
Dennis Family

Joe Malek was amazing and went way beyond our expectations. They were great from start to finish and really helped us out. Thank you! Dennis Family, Courtice, Ontario

"Thank you so much. I really appreciate the speedy service you and your staff have provided for me this time and in the past. It is great to deal with people who know what they are doing!" Diane Blake, Stoney Creek, Ontario

Diane Blake

The Dykstra's

Thanks for the great advice... Myself and Tom were very pleased with all your help. I would recommend your office and you to anyone. Thank you very much... The Dykstra's, Ilderton, Ontario

There are many reasons you may want to consider mortgage refinancing your most important asset.

With today’s low interest rates, it may be worthwhile to refinance your existing mortgage to either reduce your monthly payments or to tap into your home equity to help with your short or long terms goals, including:

  1. Renovating your home to improve your property value
  2. Consolidating high interest loans and credit cards into one lower monthly payment
  3. Invest in your RRSP and using your tax refund to pay down your mortgage
  4. Get cash out for purchasing another property
  5. and more...

If you are not sure what to do then don’t worry. I will analyze your current situation and I will advise you, if you should refinance now, wait for your mortgage renewal or obtain a second mortgage loan or equity line of credit.

There is no cost for my mortgage refinancing service, no initial credit checks, no office visits whatsoever and there are no obligations.

Together we’ll go through all your mortgage refinancing options and it will be up to you to decide whether you want to go further.

So, let’s get started today…

CLICK HERE to complete the online mortgage refinancing application form right now and I will get back to you shortly.


Joe Malek


Joe Malek, Mortgage Agent, Lic. #M08004649

P.S. I personally service all of Ontario, Canada including:

Ajax, Algonquin Park, Amherstburg, Arnprior, Aurora, Bancroft, Barrie, Belleville, Bowmanville, Bracebridge, Brampton, Brantford, Brockville, Burlington, Cambridge, Chatham, Cobourg, Cochrane, Collingwood, Cornwall, Downsview, Dryden, Elliot Lake, Etobicoke, Flamborough, Flesherton, Fort Erie, Fort Frances, Gananoque, Georgetown, Gloucester, Gravenhurst, Grimsby, Guelph, Haliburton, Hamilton, Hawkesbury, Huntsville, Ingersoll, Jordan, Kanata, Kapuskasing, Kemptville, Kenora, Killarney, Kincardine, Kingston, Kirkland Lake, Kitchener, Leamington, London, Mactier, Marathon, Markham, Midland, Milton, Mississauga, Mount Hope, Muskoka, Napanee, Nepean, New Liskeard, Newmarket, Niagara Falls, Niagara-on-the-Lake, North Bay, North York, Oakville, Orangeville, Orillia, Oshawa, Ottawa, Owen Sound, Parry Sound, Pelee Island, Pembroke, Perth, Petawawa, Peterborough, Pickering, Picton, Port Carling, Port Elgin, Port Hope, Port Loring, Port Perry, Rexdale, Richmond Hill, Ridgetown, Sarnia, Sault Ste Marie, Scarborough, Schomberg, Simcoe, Sioux Lookout, Smiths Falls, St Catharines, St Thomas, Stratford, Sudbury, Sundridge, Thamesford, Thorold, Thunder Bay, Tillsonburg, Timmins, Toronto, Trenton, Vaughan, Wallaceburg, Wasaga Beach, Waterloo, Wawa, Welland, Whitby, Wiarton, Windsor, Woodstock



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321 Springbank Drive, London, Ontario, N6J 1G6 Canada
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