If you own a home in Ontario and you're carrying credit card or high-interest debt — your equity is likely your fastest path to financial relief. Most clients save $400–$900 every month.
Matthew will review your information and reach out within 2 business hours to walk you through your debt consolidation options.
This is the most important calculation most Ontario homeowners have never run.
| Before Consolidation | ||
|---|---|---|
| Credit card balance | $18,000 @ 19.99% | $370/mo |
| Car loan | $22,000 @ 9% | $450/mo |
| Personal line of credit | $10,000 @ 11% | $180/mo |
| Total monthly payments | $1,000/mo | |
| After Consolidating $50,000 into Mortgage | ||
|---|---|---|
| Added to mortgage at ~6% | over 25 years | ~$310/mo |
| Monthly savings | ~$690/mo | |
Ontario homeowners can refinance up to 80% of their home's current appraised value. Here's how that works in practice:
Home values vary by city. Toronto, Markham, and Mississauga properties typically have significant equity available. Durham Region (Oshawa, Ajax, Whitby) homeowners are often surprised by how much equity they've built in the past 3–5 years.
Three straightforward steps. No jargon, no runaround.
Fill out the form above. No credit check at this stage. Matthew will review your home value, current mortgage balance, and total debt within 2 business hours and tell you what's possible.
Matthew walks you through a personalized debt consolidation analysis — your before and after monthly payments, total interest saved, and the true cost over the full amortization period. You see both sides before making any decision.
If you'd like to proceed, Matthew shops your refinance across 70+ lenders to find the best rate and terms for your situation. Full mortgage approval typically takes 2–5 business days. Funds are used to pay off your high-interest debts at closing.
Going forward, you have one mortgage payment at a significantly lower interest rate than your old debt. For most clients this means hundreds of dollars back in their monthly budget from day one.
Carrying $10,000+ on credit cards at 19–22%? Consolidating into your mortgage could eliminate that interest entirely.
Car loans, lines of credit, personal loans. Simplifying to one payment reduces both cost and stress.
Your home has grown in value but your monthly budget is stretched. Your equity can fix that.
Traditional banks have strict criteria. Alternative lenders look at the full picture — and often say yes when banks don't.
Whether you're in the GTA, Durham Region, or Northern Ontario — if you own a home with equity, I can help.
You refinance your existing mortgage to access your home equity — up to 80% of your home's current value. The funds pay off high-interest debts like credit cards, car loans, and personal lines. The result is one lower-rate mortgage payment instead of multiple high-interest payments. Most Ontario homeowners save $400–$900 per month.
Not necessarily. We work with lenders who consider credit scores as low as 500–550 in some cases, particularly when there is sufficient equity in the property. Even if your bank has declined you, alternative lenders often have solutions. The amount of equity, your income, and the overall file are all factors Matthew reviews with you before any application is submitted.
You need enough equity so that after refinancing, your total mortgage (current balance plus debts being consolidated) stays at or below 80% of your home's current appraised value. For example: on a $600,000 home, the maximum refinance is $480,000. If your current mortgage is $360,000, you have up to $120,000 available to consolidate debt.
A refinance involves a credit check, which creates a short-term inquiry on your bureau. However, paying off high-balance credit cards reduces your credit utilization ratio — which typically improves your score over the next 6–12 months. Most clients see a net positive credit impact after consolidating.
When you're paying 19–22% on credit cards and can refinance at 5–7%, the math strongly favours consolidation for most people. The longer-term cost of carrying that debt in your mortgage is real — Matthew will show you both the short-term savings and the long-term picture so you can make an informed decision. There's no cost or obligation to get that analysis.
Yes — all of those cities and more. I serve homeowners across all of Ontario. The entire pre-qualification and application process can be completed online, so your location doesn't slow anything down. GTA and Durham Region homeowners who have seen significant property appreciation in recent years often have more equity available than they realize.
For most clients, there is no fee. Mortgage agents are compensated by the lender when your mortgage closes — similar to how a real estate agent is paid by the seller, not the buyer. In some alternative lending situations a lender fee may apply, and this is always disclosed in writing before any application is submitted. The pre-qualification and analysis are always free.
Free analysis · No credit check · 2-hour response · Serving all of Ontario
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