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Refinance Your Mortgage or Use Your Home Equity | CIBC
When you refinance your mortgage, you replace your existing mortgage with a new one on different terms. To find out if you qualify, your lender calculates your loan-to-value ratio by dividing the balance owing on your mortgage and any other debts secured by your property into the current value of your property.
https://www.cibc.com/en/personal-bankin...
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