One payment.
One low rate.
Roll high-interest credit cards, lines of credit, car loans, and other debts into your mortgage at one low rate — and free up hundreds in monthly cash flow.
- BBB Accredited
- No fees, ever
- Licensed Alberta brokers
Estimate only — not a formal appraisal or loan approval. Final amounts depend on lender criteria and a full assessment.
The math is hard to argue with
If you're carrying credit card balances at 21%, store cards at 28%, or personal loans at 12-15%, you're hemorrhaging interest. The minimum payments mostly go to interest, and the principal barely moves.
Rolling those debts into your mortgage at 5% or less can cut your total monthly debt payment in half — sometimes more. The lower interest means you're actually paying down debt faster, even though the monthly payment is smaller. It's one of the most powerful financial moves available to a homeowner.
Right fit checklist
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$10,000+ in revolving debt. Below this, the cost-benefit may not justify the refinance fees. Above it, the math usually wins by a wide margin.
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Equity headroom. You need at least 20% equity remaining after the consolidation, since refinances cap at 80% LTV.
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Disciplined go-forward plan. Consolidating works only if you don't run the credit cards back up. We'll talk through habits and automatic-pay setups during the application.
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Stable income. You need to qualify for the new larger mortgage on the federal stress test. We'll confirm fit before any commitment.
Three steps to a quote
List your debts
We tally your credit cards, lines of credit, car loan, and any other consumer debt. We'll show you a side-by-side comparison.
New mortgage setup
We refinance your home up to 80% of value, pulling out enough cash to pay off all the debts. The lender pays creditors directly at closing.
Single payment, lower interest
Your new mortgage payment replaces all your old debt payments. You'll typically free up several hundred dollars per month immediately.
Before vs After consolidation
Lower total monthly payment
Most consolidations free up $300-$1,500 of monthly cash flow on day one. That money can rebuild emergency savings or accelerate principal payoff.
Massive interest savings
Replacing 21% credit cards with a 5% mortgage means roughly 75% less interest paid. Over a 5-year term, that's tens of thousands of dollars.
Credit score improvement
Credit utilization is one of the biggest drivers of credit score. Paying revolving debt to zero typically lifts a score by 50-100 points within a few months.
Mental simplicity
One payment date, one statement, one creditor. The day-to-day stress of juggling 8 minimum payments goes away immediately.