Consolidate Your Debts
into a single simplified payment
Our brokers negotiate the best terms across dozens of Canadian lenders to group your high-interest debts and streamline your finances.
How to Get Debt Consolidation
Apply Online
Complete our secure form in minutes. It is transparent, without commitment, and will not affect your credit score.
Speak with a Licensed Broker
A dedicated broker contacts you to review your goals. Unlike automated bank systems, we craft a personalized plan for your financial situation.
Receive Approval & Funds
Our brokers submit your application to the most competitive lenders. Response in under 24 hours and funds deposited into your account in days.
What is debt consolidation?
Debt consolidation combines multiple debts — credit cards, short-term loans, credit lines — into a single, easier-to-manage loan with a potentially lower interest rate.
As an independent broker, we compare consolidation offers across dozens of Canadian partner lenders to find the most advantageous solution for your profile.
Why Consolidate Your Debts?
Simplify Your Finances
Instead of juggling multiple payments on different due dates, combine everything into one predictable monthly payment. One loan = one budget to manage.
Reduce Your Interest
Credit cards often carry rates of 19.99% or higher. A consolidation loan typically offers a much lower rate, saving you thousands of dollars.
Pay Off Faster
By paying down more principal and less interest with every payment, you eliminate debt much faster than paying the minimum on each credit card.
Why Consolidate Through Our Brokers?
A mortgage broker can leverage your home equity to consolidate high-interest debts into one affordable monthly payment. Because the loan is secured by your home, rates are substantially lower than credit cards or unsecured loans.
Single Monthly Payment
Group all your debts into a single, predictable monthly payment that is easy to manage and budget.
Reduced Rate
Switch from 19.99%+ on credit cards to a substantially lower mortgage rate.
Accelerated Repayment
More principal repaid on every payment, drastically reducing the overall term of your debt.
Improved Credit Score
By paying down high-utilization credit cards, your credit score progressively improves.
Simulate Your Debt Consolidation
Use our simulator to estimate your monthly savings and view your detailed amortization schedule.
Simulation Parameters
Enter your values or adjust inputs — real-time results
Simulation Results
Estimates provided for informational purposes
Your Estimated Monthly Savings
250,61 $ / months
Total savings over term: 15 036,35 $
Current Payment
927,09 $
/ months @ 19,99%
Consolidated Payment
676,49 $
/ months @ 5,99%
Current Total Cost
55 625,47 $
Consolidated Total Cost
40 589,12 $
Detailed Amortization Schedule
Month-by-month breakdown of your consolidated loan — 60 monthly payments
| Month | Monthly Payment | Principal | Interest | Remaining Balance |
|---|---|---|---|---|
| 1 | 676,49 $ | 501,78 $ | 174,71 $ | 34 498,22 $ |
| 2 | 676,49 $ | 504,28 $ | 172,20 $ | 33 993,94 $ |
| 3 | 676,49 $ | 506,80 $ | 169,69 $ | 33 487,14 $ |
| 4 | 676,49 $ | 509,33 $ | 167,16 $ | 32 977,81 $ |
| 5 | 676,49 $ | 511,87 $ | 164,61 $ | 32 465,94 $ |
| 6 | 676,49 $ | 514,43 $ | 162,06 $ | 31 951,52 $ |
| 7 | 676,49 $ | 516,99 $ | 159,49 $ | 31 434,52 $ |
| 8 | 676,49 $ | 519,57 $ | 156,91 $ | 30 914,95 $ |
| 9 | 676,49 $ | 522,17 $ | 154,32 $ | 30 392,78 $ |
| 10 | 676,49 $ | 524,77 $ | 151,71 $ | 29 868,00 $ |
| 11 | 676,49 $ | 527,39 $ | 149,09 $ | 29 340,61 $ |
| 12 Year 1 | 676,49 $ | 530,03 $ | 146,46 $ | 28 810,58 $ |
| 13 | 676,49 $ | 532,67 $ | 143,81 $ | 28 277,91 $ |
| 14 | 676,49 $ | 535,33 $ | 141,15 $ | 27 742,58 $ |
| 15 | 676,49 $ | 538,00 $ | 138,48 $ | 27 204,58 $ |
| 16 | 676,49 $ | 540,69 $ | 135,80 $ | 26 663,89 $ |
| 17 | 676,49 $ | 543,39 $ | 133,10 $ | 26 120,50 $ |
| 18 | 676,49 $ | 546,10 $ | 130,38 $ | 25 574,40 $ |
| 19 | 676,49 $ | 548,83 $ | 127,66 $ | 25 025,57 $ |
| 20 | 676,49 $ | 551,57 $ | 124,92 $ | 24 474,01 $ |
| 21 | 676,49 $ | 554,32 $ | 122,17 $ | 23 919,69 $ |
| 22 | 676,49 $ | 557,09 $ | 119,40 $ | 23 362,60 $ |
| 23 | 676,49 $ | 559,87 $ | 116,62 $ | 22 802,73 $ |
| 24 Year 2 | 676,49 $ | 562,66 $ | 113,82 $ | 22 240,07 $ |
| 25 | 676,49 $ | 565,47 $ | 111,02 $ | 21 674,60 $ |
| 26 | 676,49 $ | 568,29 $ | 108,19 $ | 21 106,31 $ |
| 27 | 676,49 $ | 571,13 $ | 105,36 $ | 20 535,18 $ |
| 28 | 676,49 $ | 573,98 $ | 102,50 $ | 19 961,20 $ |
| 29 | 676,49 $ | 576,85 $ | 99,64 $ | 19 384,35 $ |
| 30 | 676,49 $ | 579,73 $ | 96,76 $ | 18 804,63 $ |
| 31 | 676,49 $ | 582,62 $ | 93,87 $ | 18 222,01 $ |
| 32 | 676,49 $ | 585,53 $ | 90,96 $ | 17 636,48 $ |
| 33 | 676,49 $ | 588,45 $ | 88,04 $ | 17 048,03 $ |
| 34 | 676,49 $ | 591,39 $ | 85,10 $ | 16 456,64 $ |
| 35 | 676,49 $ | 594,34 $ | 82,15 $ | 15 862,31 $ |
| 36 Year 3 | 676,49 $ | 597,31 $ | 79,18 $ | 15 265,00 $ |
| 37 | 676,49 $ | 600,29 $ | 76,20 $ | 14 664,71 $ |
| 38 | 676,49 $ | 603,28 $ | 73,20 $ | 14 061,43 $ |
| 39 | 676,49 $ | 606,30 $ | 70,19 $ | 13 455,13 $ |
| 40 | 676,49 $ | 609,32 $ | 67,16 $ | 12 845,81 $ |
| 41 | 676,49 $ | 612,36 $ | 64,12 $ | 12 233,45 $ |
| 42 | 676,49 $ | 615,42 $ | 61,07 $ | 11 618,03 $ |
| 43 | 676,49 $ | 618,49 $ | 57,99 $ | 10 999,54 $ |
| 44 | 676,49 $ | 621,58 $ | 54,91 $ | 10 377,96 $ |
| 45 | 676,49 $ | 624,68 $ | 51,80 $ | 9 753,27 $ |
| 46 | 676,49 $ | 627,80 $ | 48,69 $ | 9 125,47 $ |
| 47 | 676,49 $ | 630,93 $ | 45,55 $ | 8 494,54 $ |
| 48 Year 4 | 676,49 $ | 634,08 $ | 42,40 $ | 7 860,46 $ |
| 49 | 676,49 $ | 637,25 $ | 39,24 $ | 7 223,21 $ |
| 50 | 676,49 $ | 640,43 $ | 36,06 $ | 6 582,78 $ |
| 51 | 676,49 $ | 643,63 $ | 32,86 $ | 5 939,15 $ |
| 52 | 676,49 $ | 646,84 $ | 29,65 $ | 5 292,31 $ |
| 53 | 676,49 $ | 650,07 $ | 26,42 $ | 4 642,25 $ |
| 54 | 676,49 $ | 653,31 $ | 23,17 $ | 3 988,93 $ |
| 55 | 676,49 $ | 656,57 $ | 19,91 $ | 3 332,36 $ |
| 56 | 676,49 $ | 659,85 $ | 16,63 $ | 2 672,51 $ |
| 57 | 676,49 $ | 663,15 $ | 13,34 $ | 2 009,36 $ |
| 58 | 676,49 $ | 666,46 $ | 10,03 $ | 1 342,91 $ |
| 59 | 676,49 $ | 669,78 $ | 6,70 $ | 673,13 $ |
| 60 Year 5 | 676,49 $ | 673,13 $ | 3,36 $ | 0,00 $ |
This table is provided for informational purposes only. Actual rates depend on your financial profile and terms from our lending network. Consult a broker for a custom quote.
Why Choose Our Brokers to Consolidate Your Debts?
Flexible eligibility criteria
Our brokers partner with lenders who evaluate your property equity rather than credit score alone. More flexible options for you.
Fast approval & funding
Thanks to our partner lender network, we process your application much faster than traditional banks. Funds available within days.
Personalized Guidance
A dedicated broker assists you from start to finish, answers all your questions, and negotiates the best terms on your behalf.
Our Brokers vs. Traditional Banks
| Feature | Our Brokers | Traditional Banks |
|---|---|---|
| Key criteria | Valeur nette & revenus | Rigid credit score requirements |
| Approval Turnaround | Under 24 hours | 10 to 20 business days |
| Credit Requirements | Tailored A and B lending solutions | Excellent (760+) |
| Funding turnaround | Fast & simplified | Over 30 days |
| Guidance & Support | Dedicated & personalized broker | Automated System |
Who is Debt Consolidation For?
Our brokers find tailored solutions for every profile, including those turned down by traditional banks.
Self-Employed
Homeowners without traditional pay stubs seeking business capital or looking to reduce monthly payment burdens.
Bruised or Rebuilding Credit
Homeowners restoring their financial health or with bruised credit who wish to consolidate high-rate debt.
Urgent need for funds
Those needing funding faster than a 4 to 6-week banking process. Our brokers expedite processing with responsive lenders.
Everything You Need to Know About Debt Consolidation
Take Control of Your Finances Today
Our licensed brokers analyze your debt situation for free and find the most advantageous consolidation solution for you. No obligation.