Break Free from High-Interest Debt — Without Starting Over

Are multiple credit cards, personal loans, or lines of credit holding you back? Mortgage Brain AI helps Canadians consolidate high-interest debt into one manageable mortgage payment — often with a lower rate and faster path to freedom.



We don’t just offer refinancing. We offer a reset.

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Why Consolidate Your Debt with Us?

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Lower Your Monthly Payments

Pay less every month by replacing high-interest debt with a single, lower-rate mortgage solution.

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Lower Your Monthly Payments

Pay less every month by replacing high-interest debt with a single, lower-rate mortgage solution.

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Simplify Your Finances

No more juggling multiple due dates or rising interest — just one predictable payment.

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Simplify Your Finances

No more juggling multiple due dates or rising interest — just one predictable payment.

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Regain Control of Your Finances

Use your home equity as a smart tool to reduce stress and build momentum toward your goals.

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Regain Control of Your Finances

Use your home equity as a smart tool to reduce stress and build momentum toward your goals.

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See Your Options in Minutes

Our AI-powered platform analyzes your unique financial profile and shows you the best path forward — no pressure, no obligations.

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See Your Options in Minutes

Our AI-powered platform analyzes your unique financial profile and shows you the best path forward — no pressure, no obligations.

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Start Your Debt-Free Journey Today

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Get a Free Debt Analysis

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Speak to an Advisor

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See How Much You Could Save

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Don’t Let High-Interest Debt Hold You Back

You’ve worked hard for your home — now let it work for you. Discover how much you could save by consolidating your debt with Mortgage Brain AI.

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Got Questions? We’ve Got Answers.

How does debt consolidation with home equity work?

It’s easier than you think! We help you use the value you’ve built in your home to pay off high-interest debts like credit cards or personal loans. Instead of juggling multiple payments, you’ll have one manageable, lower-interest payment, freeing up your time and money.

No problem! Bad credit doesn’t have to hold you back. Using your home equity means we focus on your property’s value, not just your credit score. Many of our clients with less-than-perfect credit have successfully consolidated their debts with us.

Yes! Whether you’re refinancing or taking out a Home Equity Line of Credit (HELOC), we work with your current mortgage to find the best solution for you. Our experts guide you through every step so you can relax.

Fast and hassle-free! From your first call to completing your debt solution, the process typically takes a few weeks. We handle all the details, so you can focus on what matters most—your financial freedom.

Just a few details! Share your home’s value, the amount left on your mortgage, and your contact information. Our team will take it from there, crafting a custom solution to simplify your finances

Let’s See How We Can Help You Today

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Ready to take control of your finances?

Get started with a free financial assessment today—no obligation, just solutions.