Stop drowning in debt. Start living debt-free.

Q: What are the benefits of consolidating debt with a mortgage?

The primary benefits include:Lower Interest Rates: Mortgage rates are typically much lower than credit card rates.Simplified Finances: One monthly payment instead of juggling multiple bills.Potential Savings: Reduced overall interest payments can free up cash for other financial goals.However, consolidating debt may extend your repayment term, so it’s vital to weigh the pros and cons with a trusted mortgage advisor.

Q: Are there any costs involved in consolidating debt into a mortgage?

Yes, there can be costs, including:Penalty Fees: If you break your current mortgage early to refinance.Legal Fees: For updating your mortgage agreement.Appraisal Fees: To determine your home’s current value.A mortgage professional can help you calculate these costs and ensure the savings from consolidation outweigh the expenses.

Use your home’s equity to pay off high-interest debts and enjoy one affordable payment every month

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Are high-interest debts taking over your life?

Juggling multiple credit card payments, personal loans, and other high-interest debts can feel overwhelming. Every month, you watch your hard-earned money disappear into rising interest rates while struggling to make ends meet. We understand how exhausting this can be.

There’s a better way. With Mortgage Brain AI, you can use the equity in your home to consolidate your debts into one simple, affordable payment. No more stress—just savings.

How debt consolidation works

Why homeowners trust Mortgage Brain AI

Tailored Strategies That Get Results

We don’t do one-size-fits-all. Every plan is built around your goals—whether it’s crushing debt or freeing up cash flow, we make your mortgage work smarter.

Real Experts. Regulated Advice.

Our team is fully licensed under FSRA, with deep experience in mortgages, debt consolidation, and property investment. We don’t guess—we guide.

One Monthly Payment. Zero Headaches.

No more juggling bills. We roll your high-interest debts into one low-rate mortgage payment—simple, clean, and stress-free.

As seen on

They helped me breathe again.
I was juggling over $60K in credit card and loan debt, and it felt like I was drowning every month. Mark and the team at Mortgage Brain restructured everything into my mortgage. One payment, half the stress, and I actually sleep at night. I wish I found them sooner.

Finally, someone who actually listens.
I talked to a few brokers before, but it felt like they were just pushing products. Mortgage Brain took the time to understand what I really needed. They helped me use the equity in my home to set up a HELOC for my small business. Game changer.

From foreclosure to freedom.
We were behind on our mortgage and terrified of losing our home. I was embarrassed to even ask for help. Mark made us feel human again. He explained our options, negotiated with the lender, and literally saved our house.

Turned my property into a wealth-building machine.
I owned a duplex but didn’t know how to leverage it properly. Mortgage Brain helped me refinance and pull equity to invest in a second rental. Now I’ve got cash flow and a plan for long-term wealth. These guys get it.

Simple, fast, and stress-free.
I needed to consolidate my debts but didn’t want a long, painful process. Mortgage Brain made it ridiculously easy. Online docs, clear guidance, and everything wrapped up in a couple of weeks. Total pros.

They saved me from a consumer proposal I didn’t actually need.
I was days away from signing a consumer proposal. My Licensed Insolvency Trustee paused everything and said, “You have equity—talk to Mark at Mortgage Brain first.” Best advice I’ve ever received. Mark reviewed my full picture, explained how to use my home equity to pay off my unsecured debt, and set me up with a plan that kept my credit intact. I’m now debt-free without the long-term hit of a proposal. Total lifesaver.

Got questions? We’ve got answers.

Can I consolidate debt into my mortgage?

Absolutely. By refinancing your mortgage, you can consolidate high-interest debts like credit cards or personal loans into one lower-interest monthly payment. This strategy can reduce your overall interest costs and simplify your financial management. It’s essential, however, to ensure the new mortgage aligns with your long-term goals and doesn’t overextend your borrowing. Always consult a licensed mortgage professional for tailored advice.

How does debt consolidation with home equity work?

Debt consolidation with home equity involves leveraging the value of your home to secure a loan or line of credit, such as a Home Equity Line of Credit (HELOC). This allows you to pay off multiple debts at a lower interest rate, as your home serves as collateral. The key is to use this financial flexibility responsibly and have a repayment plan in place to avoid future financial strain.

What are the benefits of consolidating debt with a mortgage?

The primary benefits include:

Lower Interest Rates: Mortgage rates are typically much lower than credit card rates.
Simplified Finances: One monthly payment instead of juggling multiple bills.
Potential Savings: Reduced overall interest payments can free up cash for other financial goals.

However, consolidating debt may extend your repayment term, so it’s vital to weigh the pros and cons with a trusted mortgage advisor.

Are there any costs involved in consolidating debt into a mortgage?

Yes, there can be costs, including:

Penalty Fees: If you break your current mortgage early to refinance.
Legal Fees: For updating your mortgage agreement.
Appraisal Fees: To determine your home’s current value.
A mortgage professional can help you calculate these costs and ensure the savings from consolidation outweigh the expenses.

Is debt consolidation the right option for everyone?

Not necessarily. While it’s a powerful tool for managing debt, it depends on factors like:

Your Debt Levels: If your debt is unmanageable, alternative solutions might be better.
Your Financial Discipline: Using home equity irresponsibly can lead to more debt.
Your Goals: Consolidation works best as part of a broader financial strategy.

A mortgage expert will analyze your situation and recommend the best path forward, whether it’s consolidation or another option.

Have more questions? Speak with our experts today.

Don’t wait to take control of your debt.

Get started with a free, no-obligation debt assessment today.

Any information you provide is fully secure & strictly confidential. Trusted by Ontario homeowners.