If high-interest credit cards, lines of credit and loans are eating your budget, your mortgage may be the cheapest tool to clear them. I'm Josh Tagg — a licensed Alberta broker who shops 40+ lenders to roll that debt into your mortgage at a fraction of the rate.
Why it works
Consolidating doesn't make debt disappear — it moves it somewhere far cheaper. Credit cards and unsecured lines charge some of the highest interest you'll ever pay. Your mortgage, secured by your home, is one of the lowest. Move the balance and most of your payment starts going to principal instead of interest.
Cards, a line of credit, a car loan and a store card become a single monthly mortgage payment you can actually plan around.
Trading roughly 20%+ card rates for mortgage rates means more of every dollar clears the balance instead of feeding interest.
Lower required payments free up monthly cash flow — which you can keep, or throw back at the mortgage to finish sooner.
The honest part
Consolidating moves unsecured debt onto your home and can stretch it over a longer amortization, so paid-off cards must stay paid off and the savings have to be real. That's exactly what I check before recommending it.
I compare your total monthly payments and interest today against a consolidated mortgage — including any penalty to break your current term — and tell you plainly whether it wins. If it doesn't, I'll say so. See a worked example →
How it works
Grab a time that works. We'll list what you owe, the rates you're paying, and your home's value.
I find the sharpest refinance that pays out your high-interest debt, and weigh any penalty against the savings.
If the math wins, I handle the paperwork end to end — your debts get paid out and you're left with one lower payment.
Book a free, no-obligation debt review and I'll show you the real numbers for your situation.