Book a free, no-obligation debt review below, or reach out directly any time. I'll shop 40+ lenders and show you the honest before-and-after of consolidating into your mortgage.
Free Debt Review
Pick a time that works for you and I'll prepare a personalized before-and-after for our chat. No cost, no pressure.
You'll be talking to me directly — not a call centre. I'll compare 40+ lenders and give you the straight math on consolidating your debt.
Powered by Indi Mortgage. Serving Alberta and clients across Canada.
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Common questions
Usually it helps over time. Paying off cards and loans drops your credit utilization, which is good for your score. There's one credit check when we apply, and multiple mortgage inquiries in a short window are treated as one by the bureaus.
On a conventional refinance you can typically borrow up to 80% of your home's value. The room between that ceiling and your current mortgage balance is what's available to pay out debts, cover closing costs and any penalty.
Sometimes. Breaking a term early can trigger a prepayment penalty. The real question is whether the interest you save by clearing high-rate debt outweighs that penalty — and it often does. I run the exact numbers before you commit, and if it doesn't win, I'll tell you.
No. The first call is free and there's no obligation. For most residential mortgages the lender pays the broker when the mortgage funds, so there's no fee to you.
I'm licensed across Alberta and can help clients in much of Canada. Most of the process happens by phone, email and secure e-signing, so distance is rarely an issue.