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It is a normal practice for home owners to refinance mortgage, so they can raise money for the purpose of increasing the value of the home or some other work which is important. You can refinance your mortgage when you have neared the agreed term and have paid all payment installments against the loan. The bank will send you the refinancing application so you could sign on it. However it is not compulsory to borrow money or refinance your mortgage from the same company or bank. You may be uncomfortable with some of the repayment terms levied by the lender and may want to avail better terms in the refinance. You can take the help or services of mortgage refinancing Canada so they negotiate and get you better repayment terms.
The task is better left to refinance services like Mortgage Montreal, the best mortgage service provider and you can get in touch with them on phone number 514-823-8546 or by email info@mortgagesmontreal.ca.