Turn 5 Payments Into 1.Ontario homeowners are freeing up $1,000+/mo using their home's equity.*
The Honest Number Promise: if consolidating doesn't actually help you, we'll say so.
See My One-Payment Estimate*Illustration based on the representative example below; results depend on equity, credit and qualification (OAC).
Do you own a home in Ontario?
How it works
- 1
Answer a few questions
A 60-second check. No documents, no credit pull.
- 2
Talk it through, live
A free 15-minute call. Our coordinator books you in; Yalda Jansiz, a licensed agent, advises.
- 3
You decide
Proceed, wait, or walk away. The review costs nothing.
Real scenarios, side by side
Different situations, same idea: many payments become one.
$84,000 of debt consolidated
$1,930/mo freed up*
“Went from juggling six payments to one, and finally sleeping.”
The trade-off, in plain English: you're moving expensive debt to the cheapest borrowing you have access to. Monthly cash-flow improves immediately; total interest over time depends on how quickly you repay. A licensed agent walks you through both sides. That's the point of the free call.
*Scenarios are anonymized composites of typical files, shared to illustrate how consolidation works. They are not client endorsements, and results vary (OAC). Representative example: $84,000 of debt consolidated into a mortgage refinance at 5.60% interest (5.85% APR), 25-year amortization, 5-year term, equals about $520/month. Your rate, APR, payment and eligibility depend on equity, credit and qualification, and rates change without notice. Extending amortization may increase total interest paid over time.
“I'm Yalda. Most people who call us feel like the debt is running them. My job is to map your real options in plain language, give you an honest number, and put you back in control.”
Yalda Jansiz, Mortgage Agent Level 1, Everpath Mortgages · Licensed under BRX Mortgages (FSRA #13463) · Licence #M26001315 · Serving all of Ontario
+1 833-699-9979Book your free discovery call
Pick a time that works. Our coordinator confirms the details; Yalda Jansiz, a licensed Mortgage Agent, gives the advice.
Questions, answered
Will this hurt my credit?
No. The estimate is soft and doesn't touch your credit. A full application later involves a credit check, and only with your consent.
Do I need great credit?
No. Equity-based consolidations get done at every credit tier. Bank, credit union and alternative lenders all have programs. Bruised credit is normal here, not a disqualifier.
What if I'm self-employed?
Very common. Many lenders have self-employed programs that look at your real cash flow, not just a T4. Bring your situation to the call and we'll map what fits.
What does this cost?
The review: nothing. If a mortgage proceeds, costs are disclosed upfront in writing and usually built into the transaction. You'll see every number before you decide anything.
How fast can this happen?
Straightforward files can complete in a few weeks; complex ones take longer. Tell us your deadline on the call and we'll map the realistic timeline for your situation.
Is my info private?
Yes. What you share is confidential, used only to prepare your estimate and options, per our Privacy Policy. Never sold.
Your one-payment number is 60 seconds away.
60 seconds · $0 · No credit pull · No obligation · Ontario homeowners