Is Debt Becoming Harder to Manage?
If your payments are getting harder to keep up with, or you have been declined by your bank, there may still be options available using your home equity. We help Ontario homeowners review debt consolidation solutions for high interest credit cards, lines of credit, CRA debt, mortgage arrears, divorce payouts, and other financial pressures.
- High-interest credit card debt
- Line of credit balances that are not going down
- CRA income tax or HST arrears
- Mortgage arrears or missed payments
- Divorce equalization or separation payouts
- Private mortgage payouts
- Debt consolidation for self-employed borrowers
- Difficulty qualifying with your bank
For stronger equity files, especially below 65% LTV, there may be more flexible options available. Other solutions may still be available up to 80% LTV depending on the lender, property, credit, and income profile.
See What Debt Consolidation Could Look Like
Use our calculator to compare your current debts against a possible mortgage consolidation solution. Model credit cards, lines of credit, CRA debts, personal loans, and even existing mortgage balances to estimate how a refinance, second mortgage, alternative mortgage, or private mortgage could affect your monthly payments.
This tool is for quick online planning. Final options depend on your home equity, income, credit, property type, and full application review.
Struggling with Payments
High interest credit cards and unsecured debt can quietly drain monthly cash flow. Consolidating those payments into a lower secured mortgage solution may reduce pressure and make your budget easier to manage.
Falling Behind on Payments
If lines of credit, tax debt, or other obligations are starting to pile up, waiting usually makes the situation worse. Acting early may open up better refinance, second mortgage, or alternative lending options.
There are Solutions
Even if your bank says no, that does not always mean you are out of options. We review equity-based, alternative, and private mortgage solutions to find the best fit for your situation and exit strategy.
Credit Card Debt
Replace multiple high interest card payments with one structured mortgage payment where equity allows.
Line Of Credit Balances
If your LOC payment is mostly interest, consolidation may help improve monthly cash flow and repayment structure.
CRA Debt Solutions
Income tax and HST arrears can often be addressed through a secured mortgage strategy, depending on equity and overall affordability.
Mortgage Arrears
If you have fallen behind, there may still be solutions to stabilize the file before the situation becomes more serious.
Divorce Or Separation Payouts
Accessing home equity may help fund equalization payouts, buyouts, or other restructuring after separation.
Up To 80% LTV Options
Some alternative and second mortgage solutions may still be available up to 80% LTV, while stronger equity positions below 65% LTV may open more flexible private and non-traditional options.
Below 65% LTV
Often the strongest equity position for flexible private or equity-based debt solutions.
Self-Employed Options
Solutions may be available for borrowers using bank statements, stated income, or non-traditional income structures.
Review Your Debts
We look at your credit cards, LOCs, CRA balances, mortgage arrears, and other debts to understand the full picture.
Assess Your Equity
Your loan to value matters. Stronger equity can create more flexibility, especially below 65% LTV, with additional options still possible up to 80% LTV.
Compare Solutions
We compare refinance, second mortgage, alternative, and private options based on payment relief, costs, and exit strategy.
Move Forward With A Plan
The goal is not just approval. The goal is a structure that helps reduce stress now and improves your future financial position.
Use Your Home Equity To Take Back Control
We help Ontario homeowners review refinance, second mortgage, alternative, and private mortgage options for debt consolidation, CRA arrears, arrears catch-up, and cash flow relief.
Debt Consolidation Solutions
For Ontario Homeowners
We focus on practical mortgage solutions for homeowners who need to reduce high interest payments and simplify their debt.
Debt consolidation is not just about rolling balances together. It is about creating a cleaner monthly payment structure, improving cash flow, and giving homeowners a path forward. For some clients, that means refinancing unsecured debts into a lower-rate mortgage. For others, it means using a second mortgage, an alternative lender, or a short-term private solution with a clear exit strategy. The right structure depends on the full story, including your property value, current mortgage balance, credit profile, income type, and how much equity is available.
If you own a home in Ontario and are carrying high interest credit card debt, line of credit balances, CRA arrears, mortgage arrears, or separation-related obligations, we can review what options may be available. Stronger equity files under 65% LTV may qualify for more flexible solutions. Other borrowers may still have options up to 80% LTV depending on the overall file. Every situation is different, and every file should be reviewed carefully.