Debt consolidationIf you're a homeowner, your mortgage could allow you to combine several debts into a single monthly payment and simplify your finances.
Check my options
Credit card
- 8,420
Car loan
- 12,300
Line of credit
- 5,100
1 payment
instead of 3 separate debts
Better interest rateExample for illustration purposes only. Amounts, rates and results vary based on your profile, your equity and market conditions.
Lenders that can be compared
Consolidation through mortgage refinancing could improve your situation in several ways:
You could ease your monthly budget by replacing several costly payments with a single mortgage payment.
Combine your debts into one clear, predictable payment, without juggling multiple creditors.
You could regain control of your finances with a clear overview and a single due date.
Mortgage rates are often lower than those of credit cards or personal loans.
You could reduce your payments and free up funds for your projects and savings.
Free analysis with no obligation.
Without debt consolidation
Credit card
~19 to 29% interest
Personal loan
High variable rate
Line of credit
Unsecured
Multiple payments, multiple rates
With debt consolidation
1 single payment
built into your mortgage
Potentially better mortgage rate
One single payment date to manage
Example for illustration purposes only. Amounts, rates and results vary based on your profile, your equity and market conditions. A longer amortization may increase the total interest cost.
A clear and transparent process, designed to make your life easier.
012-minute form.
02A certified broker analyzes your profile.
03Your broker compares offers from 10+ lenders.
04No pressure. The choice is yours.
Most high-interest debts can be included depending on your profile and available equity.
Check my eligibility
Credit cards
19% to 29%
Lines of credit
Unsecured
Personal loans
High rates
Car loans
Auto financing
High-rate financing
Installment purchases
And several more…
Based on your equity
We simplify a complex process so you can focus on what really matters.
70,000+
Quotes processed
300+
Certified mortgage brokers and advisors
10+
Lenders that can be compared
Access to multiple lenders
See an estimate of what you could have access to, based on rates from 10+ lenders, in a single step.
Personalized support
A certified mortgage broker guides you every step of the way.
Free analysis
No fees to evaluate your situation.
Simple and fast process
Get your options in under 2 minutes.
Centralized comparison
All offers in one place, without running from bank to bank.
Ready to learn more?
Free analysis, no obligation.
If you check these boxes, you're likely eligible for consolidation through mortgage refinancing.
You own a property
You have available equity in your property
You want to combine several debts
You're looking to reduce your monthly payments
Note: Final eligibility depends on your complete profile. Our analysis is free and comes with no obligation.
Does consolidation always reduce my payments?
Debt consolidation can reduce monthly payments in certain situations. The result varies according to your profile, your available equity, the rate obtained and the chosen amortization period.
Do I have to change lenders?
Not necessarily. Depending on your file, you can refinance with your current lender or compare other institutions to get better conditions. A broker helps you choose the best option.
Does it affect my credit file?
An application involves a credit check, which can affect your score in the short term. By paying off your debts and managing a single payment, your credit often tends to improve over time.
Who are the brokers?
The mortgage brokers who use the Norga platform are certified by the Autorité des marchés financiers (AMF). They operate independently and may represent different banners, agencies or financial institutions. Your broker can give you all the details about their practice and the partners they work with.
How long does the process take?
In general, expect a few weeks between the application and disbursement, depending on the speed of the appraisal, the file analysis and the lender's timelines.
Find out if your mortgage could help you simplify your debts. Free analysis, no obligation.
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