High-interest credit cards and personal loans draining your cash flow? I'm Justin Joseph, Mortgage Agent Level 2 (FSRA #13564), and I help homeowners roll them into their mortgage at a fraction of the interest rate — many reduce their total monthly obligations by $500-$1,500.
Mortgage rates are typically a fraction of credit card and personal loan rates — the math usually favours consolidation.
Credit cards often charge 19-29% interest. Mortgage rates are a small fraction of that.
Replace multiple due dates and minimum payments with a single, predictable monthly payment.
Lower total monthly obligations free up cash for savings, investing, or simply breathing room.
Paying off revolving debt and consolidating it can improve your credit utilization ratio over time.
I run the numbers before you commit, so you know exactly what you're saving.
Send me a list of what you're carrying — credit cards, loans, lines of credit — and the rates on each.
I show you exactly what a consolidated mortgage payment looks like versus your current total.
Once approved, your existing debts are paid off directly and rolled into your mortgage.
The right structure depends on your existing mortgage, your equity, and how much debt you're carrying.
Replace your existing mortgage with a larger one that pays off your other debts.
Most CommonConsolidate debt without breaking or renegotiating your existing first mortgage.
No PenaltyUse a home equity line of credit to pay off higher-interest debt as needed.
FlexibleA mortgage-based alternative to a consumer proposal for homeowners with equity.
Credit ProtectionDirect payout of specific high-interest accounts at mortgage closing.
TargetedBlend your existing mortgage rate with new funds to minimize your overall rate.
Rate OptimizedIt depends on the rates and balances you're carrying, but many homeowners reduce their total monthly obligations by $500-$1,500. I calculate your specific numbers before you commit to anything.
Consolidating typically improves your credit utilization ratio over time, since revolving balances are paid down. There may be a short-term inquiry impact from the new mortgage application.
Yes. B-lenders and private lenders can often approve debt consolidation for borrowers with bruised credit, provided there's enough home equity.
Credit cards, personal loans, lines of credit, and in some cases tax debt or other secured debts can be consolidated, depending on your equity and lender guidelines.
Most lenders require enough equity so your total borrowing stays within 80% of your home's value, though some alternative lenders allow up to 90-95% in certain cases.
No obligation. No credit hit. I'll show you your new payment — usually within a few hours.
Not what you're looking for?