Turn your debt into one lower payment.
Roll credit cards, car loans and lines of credit into your mortgage and pay mortgage-level interest instead of card-level interest. Tell us what you owe and Mitch will show you the before and after. Free, with no obligation.
- See the real numbers. What you pay today next to one new payment, side by side.
- Bruised credit is welcome. B-lenders and private lenders are options when the banks say no.
- Penalty math done for you. Refinance, second mortgage or HELOC: we compare what each actually costs.
- A licensed agent, not a call centre. You deal with Mitch from start to finish.
"Working with Mitch was incredible, he was very communicative and helped me understand each step along the way!"
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When it makes sense.
And when it doesn't. Mitch will tell you straight if waiting for renewal or another route costs less.
Cards at 20%, mortgage at a fraction
Credit card interest is usually several times higher than mortgage interest. Moving the balance moves the rate.
One payment, one date
Instead of juggling five due dates and minimums, you have one payment that actually pays down principal.
Breathing room every month
Lower monthly payments free up cash flow for savings, emergencies or paying the debt off faster.
Credit can recover
Paying revolving balances to zero can help your utilization over time, as long as the cards stay paid off.
What consolidation can look like.
A simplified example to show the mechanics. Your numbers will be different, and that's what the review is for.
- Credit card, $18,000 at 19.99%$540
- Car loan, $22,000 at 8.99%$520
- Line of credit, $10,000 at 10.5%$250
- $50,000 added to the mortgage
- Example rate 4.5%, 25-year amortization
- Paid out by your lawyer at closing
Illustrative only, not a quote or offer. Assumes a full refinance with no penalty. Spreading debt over a longer amortization can increase total interest paid. Your actual rate, APR, costs and payment depend on your approval.
Do the math yourself.
Enter your debts as they are today. The calculator adds them up, rolls them into your mortgage and shows the monthly difference.
- Payments today (mortgage + debts)
- One new mortgage payment
- Debt paid off
- Freed up per year
- New loan-to-value
Estimate only, using Canadian semi-annual compounding. Example rates are for math, not an offer. Your actual rate and APR depend on your approval.
Here's what happens next.
List every debt
We add up each balance, rate and monthly payment so you see the full picture in one place.
Compare the options
Mitch compares a refinance, a second mortgage and a HELOC side by side, including penalties and costs.
Approve and appraise
The lender confirms your home's value and income. If your credit has taken a hit, we look at B-lender options too.
Pay it all off
Your lawyer pays your creditors directly at closing. You start the next month with one payment.
The honest fine print
- Moving short-term debt onto a 25 or 30-year mortgage can cost more interest over time if you only make the minimum payment. A plan to pay it down faster matters.
- Consolidation only works if the cards stay paid off. Running them back up leaves you with more debt secured against your home.
- Breaking your mortgage early can trigger a prepayment penalty. A second mortgage or waiting for renewal may be cheaper.
- Second mortgages and B-lender options cost more than a standard refinance and may include lender or broker fees, always disclosed upfront.
Before you ask.
How much can I consolidate?
Most lenders let you borrow up to 80% of your home's value, minus your mortgage balance. Your income also has to support the new payment.
Can I consolidate with bad credit?
Often, yes. If the big banks say no, B-lenders and private lenders look more at your equity. Costs are higher, so we'll plan an exit back to a regular lender.
Will this hurt my credit score?
There's a credit check when you apply. Paying off revolving balances often helps your score over time, as long as they stay paid off.
Is it better than a consolidation loan?
Usually a mortgage-secured option costs less than unsecured consolidation loans. The trade-off is that your home secures the debt. We'll compare both honestly.
Ready to see your numbers?
Two minutes for the form, one business day for Mitch to come back with real options. No cost and no obligation.