One Payment.
A Better Rate.
Roll high-interest credit cards, car loans, and lines of credit into your mortgage and cut your monthly payments dramatically. We calculate whether the math works before you commit.
80%
Max LTV with consolidation
~40%
Avg. monthly payment drop
$0
Broker cost to you
1
Single monthly payment
Debt Consolidation
Stop paying 20–25% on credit card debt when your home equity earns you 5%
The average Canadian credit card charges 19.99–25.99% interest. Your mortgage rate is likely under 6%. Debt consolidation through a refinance or HELOC lets you pay off high-rate debt with low-rate mortgage money — potentially saving thousands per year in interest charges.
Credit Card Payoff
Wipe out 19.99%+ credit card balances with 5–7% mortgage money. The interest savings are dramatic and immediate.
Car Loan Integration
Roll your car loan (typically 6–10%) into your mortgage to free up cash flow and simplify your monthly budget.
Student Loan Relief
Post-secondary debt at 7–9% can often be refinanced into a mortgage — dramatically lowering your monthly payment.
Cash Flow Improvement
Most clients see their total monthly payments drop 30–50% after consolidation — money that stays in your pocket.
Single Payment Simplicity
One lender, one payment date, one statement. No more juggling multiple minimum payments across different due dates.
Net Worth Growth
Lower monthly payments free up capital to invest, save, or apply against principal — building wealth faster.
Is debt consolidation right for you?
Simple, transparent, and built around you.
Run the numbers
We calculate your current total monthly payments, total interest cost, and compare them to consolidation scenarios.
30 minEquity check
We confirm available equity (max 80% LTV), factor in penalty (if applicable), and legal costs to ensure the net benefit is real.
24 hoursLender selection
We find the refinance or HELOC product with the best rate and terms for your consolidation amount and timeline.
1–2 daysConsolidate & simplify
Funds released at close. Debts paid off. One clean payment replaces the pile of statements.
3–5 weeks“We had $68,000 in credit card and car loan debt at an average of 19%. Greenhouse consolidated it all into our refinance. Our total monthly payments dropped by $1,400. That changed our life.”
Sandra & Paul R.
Burlington, ON
Common questions
Stop paying 20% interest — use your home equity instead
We'll run the numbers and tell you honestly whether debt consolidation makes sense for you. No obligation, no pressure.