Take Control of Your Debt,

Take Back Your Life

Consolidate your high-interest debt into one manageable mortgage payment and start building financial freedom.

David Simmonds

“A significant portion of my lending work is in debt consolidation. That is the process of paying off several different debts with a combined high payment load every month to one lower interest and lower payment.

It is not uncommon for folks to have auto loans, credit card balances, lines of credit, a business loan, and other short-term debts. These debts are usually very high interest and having several of them creates a burden people cannot handle. The solution is to pay off all the debts with a mortgage using the equity in your home. 

Once you have paid off all your debts you will find your cash flow immediately often increases by thousands per month depending on what your debt load was. Another benefit to those that consolidate their debts and get their finances under control is they see their credit scores increase. 

If you have been thinking about this without solving the problem, please contact me directly. I am here to help you with debt consolidation”.

Are credit card balances, loans, or lines of credit holding you back?

Debt consolidation brings all of your debt into one mortgage payment, often at a much lower interest rate, giving you breathing room and a clear plan forward.

You’re not alone, many Canadians struggle with:

High monthly payments

Rising interest rates

Juggling multiple due dates

Feeling like they’ll never get ahead

Why Debt Consolidation Works

  • Lower Interest Rates

    Replace 19%+ credit card debt with mortgage-level rates.

  • One Monthly Payment

    Simplify your finances.

  • Lower Monthly Costs

    Free up cash flow immediately.

  • Use Your Home’s Equity

    Make your property work for you.

Who I Help?

Homeowners

Carrying high-interest consumer debt and looking for financial relief.

Families

Balancing multiple monthly bills and wanting peace of mind.

Retirees

Seeking to reduce financial stress and simplify income management.

Process

  • I review your current debts and financial goals.

  • Identify how your home equity can be leveraged.

  • Tailored strategy with lower interest and single payment.

  • Close quickly and start saving immediately.

Common questions

Q1: Will debt consolidation affect my credit score?

A: In the short term, there may be a small dip, but long-term, consolidation can improve your credit by lowering balances and ensuring on-time payments.

Q2: Do I need perfect credit to qualify?

A: No, approval is based on your home equity, not just your credit score.

Q3: Can I still access my home equity in the future?

A: Yes, refinancing or adjusting your mortgage can allow you to access additional equity as needed.

Ready to Consolidate Your Debt and Save?

Our mortgage experts can help you simplify your finances, reduce interest, and get back on track.