Replace multiple debts withone manageable payment.
Use available home equity to combine eligible debts into one structured mortgage solution and create a clearer path forward.
- ✓ One simple payment
- ✓ Options for credit challenges
- ✓ Ontario mortgage specialists
How home equity debt consolidation works.
Our team reviews your property, current debts, and goals before comparing suitable mortgage options.
Apply online
Share a few details about your home, mortgage, and the debts you want to combine.
Review your options
We assess the application and compare suitable solutions from available lenders.
Move forward
Complete the documentation and use the approved funds to pay eligible balances.
Our award-winning team.Here every step of the way.
Expert guidance for Ontario homeowners
CMP Top 75 Broker 2026
John Burke was recognized among Canada’s leading mortgage brokers.
Top Choice Award
Recognized for trusted service and mortgage brokerage excellence.
Consumer Choice Award
Recognized for mortgage brokerage service and expertise.
Turn available home equity into one practical solution.
A suitable debt consolidation mortgage can replace several payments with one structured obligation.
Bring eligible balances together.
The exact debts and available amount depend on your equity, affordability, credit profile, and lender requirements.
- Credit card balances
- Personal loans
- Lines of credit
- Other eligible debts
More clarity. Fewer payments. A plan built around your home.
Every situation is different. We help you understand the complete cost, payment, and available alternatives before you decide.
Simplify payments
Replace several payment dates and balances with one structured obligation.
Improve cash flow
A different repayment structure may reduce required monthly payments.
Address high interest debt
Explore whether eligible higher interest balances can be moved into a secured solution.
Protect your credit
Act before missed payments create greater financial pressure.
Build a clear timeline
Understand the payment schedule, term, costs, and next steps.
Get expert guidance
Compare suitable options with an experienced Ontario mortgage team.
Understand debt consolidation before you borrow.
A Burke specialist can explain the rate, fees, payment, term, total borrowing cost, and available alternatives.
Book Free Consultation →What is a debt consolidation mortgage?+
It is financing secured against available home equity that may be used to pay eligible debts and replace them with one structured mortgage payment.
Could it reduce my monthly payments?+
It may reduce required monthly payments by changing the interest rate or repayment period. A lower payment can also extend repayment and increase total interest, so the complete cost should be reviewed.
Do I need perfect credit?+
No. Lenders may also consider available equity, income, affordability, property details, and the full application.
How much equity do I need?+
The required equity varies by lender and application. The current property value and all secured debts are considered.
How quickly can funding be arranged?+
Timing depends on documentation, the property, appraisal requirements, and lender review. Some applications may receive a decision in as little as 24 hours.
Is consolidation right for everyone?+
No. The benefit depends on the rate, fees, repayment period, total cost, and your ability to avoid rebuilding unsecured debt.
Make your monthly payments easier to manage.
Start online and review your options with an Ontario mortgage specialist.
