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- How can I lower my debt interest rates?
- How does mortgage refinancing consolidate debt?
- How does debt consolidation help me?
- How can i improve my cashflow?
- What if my credit and income are low?
- How can a mortgage agent help?
How can I lower my debt interest rates?
- You can lower the interest rate for your debts by using the lower rate from your mortgage. Debt consolidation means transferring your high interest rate debt to your low interest mortgage – all debts now pay the lower interest rate.
- Debts like credit cards, lines of credit and car loans have high interest rates (10% -25%). Mortgages have the lowest interest rates (4%).
- Example: transferring $100,000 high interest debt to a mortgage saves $11,000 a year2
- The key is get your interest rate lower for all debts.
How mortgage refinancing consolidates debt
- You can refinance your mortgage to consolidate your debt by renegotiating your mortgage.
- Your current mortgage is for a specific term (eg: 3- 5 years). Once the term ends (or you end it early) you can start a new mortgage. Your Mortgage Agent can calculate any early termination fees.
- You ask for a larger amount of money for the mortgage (Equity Takeout).
- You can consolidate your debt by using the extra money requested to pay off high interest loans.
- A mortgage agent can help you do all of this work and will represent your interests when dealing with the banks.
- Your real estate lawyer will handle paying out all the debts on your behalf.
- Now instead of paying five different debt holders, you just pay one at a lower interest rate.
- Equity takeout (ETO) means to access existing equity in your house. If your house is worth $800,000 today and next year it’s worth $875,000, your “equity” has grown by $75,000. A mortgage agent can confirm how much of the $75,000 you can access.
Other articles: How to Stop a Power of Sale
Other articles: How to use Private Lenders
Other articles: Refinancing a Mortgage
Debt Consolidation helps
- Debt Consolidation: improves your financial situation by lowering costs on a monthly basis.
- Credit Score: consolidating debt can improve your credit score by decreasing debt utilization which enables you to access lower interest rates in the future.
- Simplify your life: you can consolidate your debt into one payment, one monthly deadline – simplicity at its best.
- Stress: every month more money comes in than goes out and your savings will grow. Decrease your stress by never worrying about a collections agency calling you.
- Cashflow: you can improve your monthly cashflow by lowering your monthly debt payments – it all starts by transfering all debt into one mortgage.
How to improve cashflow
- You can improve your monthly cashflow by lowering your monthly debt payments.
- Money comes in (from your employment) and money goes out (to pay bills).
- If more money comes in than out – you have savings and positive cashflow.
- If the amount of money going out decreases (debt consolidation) then your cashflow is improving.
- In the example above, ($100,000 debt) cashflow increases by $11,000 a year.
| Agents Available Now | Call us Now |
| jason@wodlinger.com | 416.899.2750 |
Bad Credit Low Income
- Our Lenders understand bruised credit. We work with all Lenders.
- Our Mortgage Agents work with Lenders who understand lower income situations.
- We can estimate your approval probability despite low income and credit.
- Our Agents estimate your mortgage rate despite lower income and credit.
Other articles: How to Stop a Power of Sale
Other articles: How to use Private Lenders
Other articles: Refinancing a Mortgage
How Mortgage Agents Consolidate Debt
- Here are ways that Mortgage Agents can help you consolidate debt.
- Confirm how much home equity you can access.
- Estimate your personalized interest rate.
- Calculate monthly mortgage payments .
- Analyze your cashflow after refinancing.
| Credit Cards | CRA Tax | Lines of Credit |
| Student Loans | Car Loans | Liens |
Mortgage Refinancing Next Steps
- Here is how Mortgage Refinancing works:
First the Mortgage Agent will review the consolidation of your debts and calculate your potential cashflow increase. - We then calculate your home equity to understand how much can be accessed.
- We analyze your finances to determine how much equity you can use relative to your income.
- We work with our lenders to find the best solution to improve your financial health.
What does it cost to use a Mortgage Agent?
- Any and all costs must be disclosed in writing before you agree to financing.
- JWM agents are paid by commission from the Lender who you choose (you don’t pay this commission).
- There are Brokerage fees if you use our Private lenders.
- Alternative and Private Lenders charge a Lender fee.
- In most cases, if you are refinancing with a conventional Bank, there is no extra payment required to the mortgage agent.
| Agents Available Now | Call us Now |
|---|---|
| jason@wodlinger.com | 416.899.2750 |
Get Pre-Qualified Now
We’ll Compare your profile against
our Top Lenders’ Requirements
- Pre-qualifying ensures we respect your time. If there is a high probability (no guarantees) to solve your situation we’ll tell you right away. If we can’t help at least we’ve saved you some time.
- Our system compares your information vs the requirements of our top Lenders.
- Pre-qualified means your file will be prioritized ahead of any other client who has not been pre-qualified.
- Funds can be received faster when one is pre-qualified.
- It is critical that your total debt load is under 75% – 80% of your house value. To understand more about this analysis, contact us.
- After submission, one of our agents will contact you before 5pm today.
- Our agents will speak with you to learn more about your situation.
- We will request a few documents.
- When documents are received, we can provide a conditional mortgage approval in 24 hours.
- After issuing the conditional approval, the lender may ask other questions and requst more documents.
- Upon receipt of all documents you can receive funding in 48 hours.
- Describe your situation
- We search our database for Agents who specialize with purchases
- We match Agents to your needs
- Agent(s) contact you within 5 minutes
Mortgage Agent Database FAQs
FAQs
We will never sell or share your data with any third party. Only employees of JWM will contact you to see if we can help.
Other articles: How to Stop a Power of Sale
Other articles: How to use Private Lenders
Other articles: Refinancing a Mortgage
Our Solutions
Mortgage Rates
(assumes credit score >600)
| Term | Mortgage Rate |
| 2 year term | 4.19% |
| 3 year term | 4.24% |
| 4 year term | 4.39% |
| 5 year term | 4.19% |
| Variable Rates | 3.65% |
| 1 year term | Our Private Lenders offer short terms |
| credit score <600 | Our Lenders can help with bruised credit. |
| Term | Mortgage Rate |
| 2 year term | 4.24% |
| 3 year term | 3.79% |
| 4 year term | 3.94% |
| 5 year term | 3.99% |
| Variable Rates | 3.54% |
| 1 year term | Our Private Lenders offer short terms |
| credit score <600 | Our Lenders can help with bruised credit. |
updated / May 4, 2026
Private Lenders
| AltaWest Capital | AW Capital |
| CMI Group | Firm Capital |
| Fisgard Mortgage | PHL Capital |
| Premhome | RiverRock |
| Sequence Capital | Tribecca Finance |
| VWR Capital | Gentai Capital |
And many many more……
Alternative Lenders
| CWB Optimum | Equitable |
| Hometrust | First National |
| B2B Bank | MCAN Financial |
| MCAP Financial | Haventree |
| RFA Mortgages | Effort Trust |
| Strive Capital | First Ontario |
And many many more……
Note 2: example assumes high interest debt charged 15% interest rate per year; low debt interest rate charge is 4%
