https://www.finder.com.au/home-loans/refinancing-home-loans/how-much-equity-do-i-need-to-refinance
How much equity do I need to refinance my mortgage? | Finder
Oct 6, 2025 - In most cases you need at least 20% equity in your home before refinancing a mortgage. Otherwise you have to pay LMI again.
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https://www.nerdwallet.com/ca/p/article/mortgages/should-i-refinance-my-mortgage
Should I Refinance My Mortgage? - NerdWallet Canada
Before refinancing, consider current interest rates, the time remaining in your mortgage term, and your ability to requalify for a mortgage.
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