Roll high-interest credit cards, loans, and lines of credit into your mortgage at a fraction of the cost.
Three simple steps to eliminate high-interest debt and regain financial control
We review all your debts — credit cards, car loans, lines of credit — and calculate how much you could save by consolidating into your mortgage.
We shop 50+ lenders to find the best refinancing option that allows you to consolidate your debt while maintaining affordable payments.
Complete the refinancing process and pay off your high-interest debts. Enjoy one simple payment and significant monthly savings.
Almost any unsecured debt can be rolled into your mortgage at a much lower rate
19-29% APR
The most expensive debt to carry. Consolidating can save you thousands in interest.
5-12% APR
Roll your auto financing into your mortgage for lower rates and simplified payments.
7-15% APR
Unsecured lines of credit often have higher rates than mortgage rates.
8-20% APR
Consolidate personal loans into your mortgage for significant interest savings.
Prime + 2-5%
Private student loans can be consolidated for better rates and tax benefits.
15-30% APR
Furniture, electronics, and retail financing often carry extremely high rates.
See how much you could save by consolidating your debts into your mortgage
*Estimates based on typical interest rates. Actual savings may vary based on your specific situation.
Why thousands of Ontario homeowners choose to consolidate their debt
Mortgage rates (3-5%) are significantly lower than credit cards (19-29%) or personal loans (8-20%).
One monthly payment instead of juggling multiple debts with different due dates and amounts.
Free up hundreds or thousands per month by reducing your total monthly debt payments.
Pay off debts in full and eliminate stress from creditors and collection agencies.
Paying off high-balance debts can improve your credit score over time.
If consolidating investment or business debt, mortgage interest may be tax deductible.
Understanding the requirements and considerations
We work with clients in all financial situations. Even if you don't meet all requirements, we can explore alternative solutions like second mortgages or private lending. Book a free consultation to discuss your options.
Most debt consolidations complete in 4-6 weeks from start to finish
We review all your debts, calculate total savings, and determine if consolidation makes financial sense for you.
We compare options from 50+ lenders to find the best refinancing solution. Submit your application with our guidance.
Lender reviews your application and orders a home appraisal. We prepare documentation for paying off your debts.
Sign documents with your lawyer. Your debts are paid off in full. Start enjoying one simple payment and significant savings.
Gather these documents to streamline your debt consolidation application
Note: We'll guide you through gathering everything needed. Don't worry if you don't have all documents ready right away.
See the dramatic difference consolidation can make
Real experiences from Ontario homeowners who consolidated their debt
"We consolidated $38,000 in credit card debt and saved over $700/month. Finally sleeping well at night knowing we have one manageable payment."
David K.
Toronto, ON
"The process was so much easier than I expected. They handled everything and now all my high-interest debts are gone. Life-changing!"
Lisa R.
Hamilton, ON
"Consolidated my car loan and credit cards into my mortgage. Saving $500/month and my credit score is already improving. Highly recommend!"
Robert M.
Ottawa, ON
Download helpful guides and tools to make informed decisions
Complete guide to understanding debt consolidation options and strategies
Calculate your potential savings with detailed breakdown
How to rebuild your credit after consolidating debt
Licensed Mortgage Agent in Ontario
Member of Mortgage Professionals Canada
Your Information is Secure & Confidential
Compliant with FSRA Regulations
Licensed to provide debt consolidation services across Ontario
And many more cities across Ontario
Get a free consultation and discover how much you could save
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