~20%
Avg Canadian credit-card rate
Ontario homeowners · Mortgage refinance
Turn high-interest balances into one lower paymentusing the equity you've already built
Answer 5 quick questions to see your estimated new monthly payment — and how much you could free up each month by rolling high-interest balances into your mortgage. About 60 seconds. No credit check.
3,000+
Families funded
#5
Broker in Canada '26 · CMP
50+
Lender partners
Free refinance savings estimate
How much could you save?
~60 seconds · no credit check
📕 Free guide at the end
🔒 Licensed Ontario brokerage · No credit check
Do you own your home?
A mortgage refinance uses the equity in your home.
Yes, I own my home
No, I rent
Roughly what's your home worth?
A ballpark is fine — we'll confirm later.
How much is left on your mortgage?
Your approximate remaining balance.
How much do you owe outside your mortgage?
Credit cards, lines of credit, car loans — not your mortgage. A rough total is fine.
How's your credit, roughly?
Your best guess — no credit check is done here.
Excellent
Good
Fair
Poor / rebuilding
Not sure
Simple & fast
From many payments to one — the honest way
No jargon, no pressure. A clear picture of what refinancing could look like for you.
01
Answer 5 questions
Your home, mortgage and debts. No credit check, no documents — rough numbers are all we need.
02
See your estimate
Your estimated new monthly payment, potential savings, and the equity you may be able to access.
03
Talk to a licensed broker
We review your real numbers, show you the full cost, and only recommend it if it genuinely helps.
Why it adds up
The math most homeowners are missing
Carrying balances at credit-card rates while sitting on home equity is the most expensive way to borrow.
<5%
Typical mortgage / HELOC rate
$22,883
Avg Ontario non-mortgage debt
Sources: Bank of Canada & Ratehub (rates, Aug 2026); Equifax Canada Q1 2026 (average balances). Figures are illustrative and change over time.
Why Ontario homeowners choose us
A licensed broker, not a debt-relief pitch
🧾
One simple payment
Roll high-interest balances into your mortgage so you manage one payment instead of many.
📉
Lower your monthly cash flow
Move debt from ~20% rates to a mortgage under 5% and free up room in your budget.
🛡️
Honest, suitable advice
We show you the full cost — including longer amortization — and only recommend it if it truly helps.
⚡
Fast, human follow-up
Submit your details and hear from a licensed broker in minutes, not days.
“The attention to detail was exceptional. Tiffany Group turned what I expected to be stressful into something smooth, sophisticated, and surprisingly enjoyable. I wouldn’t trust anyone else with my financing.”
AP
Amanda PBarrie, ON
★ Ranked #5 in Canada 2026 · CMP
FSRA Licensed #12864
Good to know
Questions homeowners ask
Is this some kind of relief program?
No. We're a licensed Ontario mortgage brokerage. This is a mortgage refinance — you're using the equity in your home to pay off higher-interest balances and replace them with one lower-rate mortgage payment. Nothing is written off; it's a regulated mortgage product.
Will this hurt my credit score?
Getting your estimate here does not affect your credit — no credit check is run. A full application later involves a credit review, but many homeowners find their score improves over time once high-interest balances are paid down.
Doesn't stretching balances over a mortgage cost more in the long run?
It can — that's the honest answer. Lowering your monthly payment by spreading debt over a longer amortization can increase the total interest you pay over time. A good broker structures it to avoid that (for example, keeping an accelerated payoff on the refinanced portion) and shows you the full cost before you decide.
Should I use a HELOC, a refinance, or a second mortgage?
They're three routes to the same goal — using your equity to clear high-interest balances — and the right one depends on your rate, your renewal date, and how much you're refinancing. A refinance usually wins on rate, a HELOC on flexibility, a second mortgage when breaking your current mortgage doesn't make sense. That's exactly what we sort out on the call, and we're not tied to any one product or lender.
Won't I pay a penalty to break my mortgage?
If your mortgage is up for renewal — and a huge number of Ontario mortgages renew in 2026 — there's no penalty at all: renewal is the cleanest moment to restructure. Mid-term, a penalty may apply, and we do that math for you first. If the interest saved doesn't clearly beat the penalty, we'll tell you to wait — or use a route that doesn't touch your current mortgage.
What does it cost to work with a broker?
In most cases our services come at no cost to you — we're typically compensated by the lender when your mortgage funds. Many qualifying files are also eligible for a legal fee credit, an appraisal fee credit, or lender cash-back — ask us and we'll check yours. We'll always be upfront about any exceptions, and about appraisal or discharge costs, before you commit to anything (O.A.C.).
One payment. More breathing room. let's see your number
Get your free estimate and savings breakdown in about 60 seconds.
See how much I could save