{"id":7495,"date":"2026-09-19T08:56:17","date_gmt":"2026-09-19T13:56:17","guid":{"rendered":"https:\/\/solutionshypotheques.ca\/?page_id=7495"},"modified":"2026-10-02T12:59:39","modified_gmt":"2026-10-02T17:59:39","slug":"mortgage-debt-consolidation","status":"publish","type":"page","link":"https:\/\/solutionshypotheques.ca\/en\/mortgage-debt-consolidation\/","title":{"rendered":"Mortgage debt consolidation"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"7495\" class=\"elementor elementor-7495\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-02ff7dc e-con-full e-flex e-con e-parent\" data-id=\"02ff7dc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3515615 elementor-widget elementor-widget-html\" data-id=\"3515615\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!--\n  ============================================================\n  Debt Consolidation at Mortgage Renewal | Quebec\n  Paste into a \"Custom HTML\" block in WordPress\n  (page : \/mortgage-renewal-debt-consolidation\/)\n\n  No header, no menu, no footer, no GTM script. 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.sh-lead{font-size:18px;}\n  .sh-lp .sh-section-head p{font-size:18px;}\n  .sh-lp .sh-faq summary{font-size:19px;padding:20px 40px 20px 0;}\n  .sh-lp .sh-final-actions{width:100%;}\n  .sh-lp .sh-phone-big{font-size:23px;}\n}\n@media (prefers-reduced-motion:reduce){\n  .sh-lp *{transition:none!important;animation:none!important;}\n}\n\n@media (max-width:820px){\n  .sh-lp--b .sh-steps{grid-template-columns:1fr;border-top:0;}\n  .sh-lp--b .sh-step{border-right:0;border-top:2px solid var(--sh-line);padding:28px 0 4px;}\n  .sh-lp--b .sh-step::before{top:-9px;}\n}\n<\/style>\n\n<div class=\"sh-lp sh-lp--b\" id=\"sh-lp-root\" data-sh-lang=\"en\" data-sh-form=\"renewal_consolidation_en\">\n\n  <!-- ================= HERO ================= -->\n  <section class=\"sh-hero\">\n    <div class=\"sh-wrap\">\n      <div class=\"sh-hero-grid\">\n        <div>\n          <p class=\"sh-kicker\">Homeowners at renewal \u2014 Quebec<\/p>\n\n          <h1>Renewal coming up and your debts taking up too much room?<\/h1>\n\n          <p class=\"sh-lead\">Good income, and still the feeling of never getting ahead: cards, lines of credit and loans have piled up and eat the budget every month. Renewal is the natural moment to check whether your home equity can restructure all of it.<\/p>\n\n          <ul class=\"sh-checklist\">\n            <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>Mortgage coming up for renewal<\/span><\/li>\n            <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>Cards, lines of credit and loans piling up<\/span><\/li>\n            <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>Good income, but heavy monthly payments<\/span><\/li>\n            <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>Equity available in your property<\/span><\/li>\n          <\/ul>\n\n          <div class=\"sh-actions\">\n            <button type=\"button\" class=\"sh-btn sh-btn--primary\" data-sh-scroll=\"#sh-lead-form\" data-sh-cta=\"hero\">Get my free review<\/button>\n            <a class=\"sh-btn sh-btn--ghost\" href=\"tel:+15149999946\" data-sh-phone=\"hero\">Talk to a broker: 514-999-9946<\/a>\n          <\/div>\n\n          <p class=\"sh-credentials\">Nectarios Petropoulos, mortgage broker (licence 237338), Dominion Lending Centres National. Free, confidential review with no obligation.<\/p>\n        <\/div>\n\n        <div class=\"sh-form-card\" id=\"sh-form-card\">\n          <h2 id=\"sh-lead-form\">Request a free review<\/h2>\n          <p class=\"sh-form-sub\">Fill out the form and we will call you back to go over your file. No obligation on your side.<\/p>\n\n          <form id=\"sh-lead\" novalidate>\n            <div class=\"sh-field\">\n              <label for=\"sh-name\">Full name<\/label>\n              <input type=\"text\" id=\"sh-name\" name=\"name\" autocomplete=\"name\" required aria-describedby=\"sh-name-err\" maxlength=\"100\">\n              <p class=\"sh-error\" id=\"sh-name-err\">Please enter your full name.<\/p>\n            <\/div>\n\n            <div class=\"sh-field\">\n              <label for=\"sh-phone\">Phone<\/label>\n              <input type=\"tel\" id=\"sh-phone\" name=\"phone\" autocomplete=\"tel\" inputmode=\"tel\" required aria-describedby=\"sh-phone-err\" maxlength=\"30\" placeholder=\"514 555 1234\">\n              <p class=\"sh-error\" id=\"sh-phone-err\">Please enter a valid phone number (10 digits).<\/p>\n            <\/div>\n\n            <div class=\"sh-field\">\n              <label for=\"sh-email\">Email <span class=\"sh-optional\">(optional)<\/span><\/label>\n              <input type=\"email\" id=\"sh-email\" name=\"email\" autocomplete=\"email\" aria-describedby=\"sh-email-err\" maxlength=\"120\">\n              <p class=\"sh-error\" id=\"sh-email-err\">Please check your email address.<\/p>\n            <\/div>\n\n            <div class=\"sh-field\">\n              <label for=\"sh-city\">City or region<\/label>\n              <input type=\"text\" id=\"sh-city\" name=\"city\" autocomplete=\"address-level2\" required aria-describedby=\"sh-city-err\" maxlength=\"80\">\n              <p class=\"sh-error\" id=\"sh-city-err\">Please enter your city or region.<\/p>\n            <\/div>\n\n            <div class=\"sh-field\">\n              <label for=\"sh-value\">Approximate property value<\/label>\n              <select id=\"sh-value\" name=\"property_value\" required aria-describedby=\"sh-value-err\">\n                <option value=\"\">Select a range<\/option>\n                <option value=\"lt200\">Under $200,000<\/option>\n                <option value=\"200_350\">$200,000 to $349,999<\/option>\n                <option value=\"350_500\">$350,000 to $499,999<\/option>\n                <option value=\"500_750\">$500,000 to $749,999<\/option>\n                <option value=\"750_1m\">$750,000 to $999,999<\/option>\n                <option value=\"gt1m\">$1,000,000 and over<\/option>\n              <\/select>\n              <p class=\"sh-error\" id=\"sh-value-err\">Please select a range.<\/p>\n            <\/div>\n\n            <div class=\"sh-field\">\n              <label for=\"sh-balance\">Approximate mortgage balance <span class=\"sh-optional\">(optional)<\/span><\/label>\n              <select id=\"sh-balance\" name=\"mortgage_balance\">\n                <option value=\"\">Select an answer<\/option>\n                <option value=\"none\">No balance, property paid off<\/option>\n                <option value=\"lt100\">Under $100,000<\/option>\n                <option value=\"100_200\">$100,000 to $199,999<\/option>\n                <option value=\"200_300\">$200,000 to $299,999<\/option>\n                <option value=\"gt300\">$300,000 and over<\/option>\n                <option value=\"unknown\">I am not sure<\/option>\n              <\/select>\n            <\/div>\n\n            <div class=\"sh-field\">\n              <label for=\"sh-goal\">Main objective<\/label>\n              <select id=\"sh-goal\" name=\"objective\" required aria-describedby=\"sh-goal-err\">\n                <option value=\"\">Select an objective<\/option>\n                <option value=\"consolidate\">Consolidate my debts at renewal<\/option>\n                <option value=\"reduce_payments\">Lower my monthly payments<\/option>\n                <option value=\"cards_lines\">Refinance cards, lines of credit and loans<\/option>\n                <option value=\"breathing_room\">Get some breathing room back<\/option>\n                <option value=\"renewal_soon\">My renewal is coming up<\/option>\n                <option value=\"other\">Other or not sure yet<\/option>\n              <\/select>\n              <p class=\"sh-error\" id=\"sh-goal-err\">Please select your main objective.<\/p>\n            <\/div>\n\n            <div class=\"sh-field\">\n              <label for=\"sh-message\">Briefly describe your situation <span class=\"sh-optional\">(optional)<\/span><\/label>\n              <textarea id=\"sh-message\" name=\"message\" rows=\"4\" maxlength=\"1500\" placeholder=\"For example: total debt, number of payments per month, maturity date.\"><\/textarea>\n            <\/div>\n\n            <div class=\"sh-consent\">\n              <input type=\"checkbox\" id=\"sh-consent\" name=\"consent\" required aria-describedby=\"sh-consent-err\">\n              <label for=\"sh-consent\">I agree to be contacted by phone or email about my request.<\/label>\n            <\/div>\n            <p class=\"sh-error\" id=\"sh-consent-err\" style=\"margin-top:-10px;\">We need your consent in order to contact you.<\/p>\n\n            <div class=\"sh-hp\" aria-hidden=\"true\">\n              <label for=\"sh-website\">Do not fill in this field<\/label>\n              <input type=\"text\" id=\"sh-website\" name=\"website\" tabindex=\"-1\" autocomplete=\"off\">\n            <\/div>\n\n            <button type=\"submit\" class=\"sh-btn sh-btn--primary sh-btn--block\" id=\"sh-submit\" data-sh-cta=\"form\">Send my request<\/button>\n            <p class=\"sh-form-note\">Your information stays confidential and is only used to get back to you.<\/p>\n\n            <div class=\"sh-form-status\" id=\"sh-status\" role=\"alert\" aria-live=\"assertive\"><\/div>\n          <\/form>\n\n          <div class=\"sh-success\" id=\"sh-success\">\n            <h3>Thank you, your request has been sent<\/h3>\n            <p>We will contact you shortly to discuss your situation. If your request is urgent, you can also reach us at <a href=\"tel:+15149999946\" data-sh-phone=\"success\">514-999-9946<\/a>.<\/p>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- ================= SITUATIONS ================= -->\n  <section class=\"sh-section sh-section--sand\">\n    <div class=\"sh-wrap\">\n      <div class=\"sh-section-head\">\n        <p class=\"sh-kicker\">Who this is for<\/p>\n        <h2>Does any of this sound like you?<\/h2>\n        <p>Consolidation is not about income, it is about structure. The same debt can cost wildly different amounts depending on how it is carried.<\/p>\n      <\/div>\n\n      <div class=\"sh-grid sh-grid--2\">\n        <div class=\"sh-card\">\n          <h3>Too many separate payments<\/h3>\n          <p>Five, eight, sometimes twelve withdrawals a month: impossible to see where the money goes, and every minimum payment keeps the balance alive.<\/p>\n        <\/div>\n        <div class=\"sh-card\">\n          <h3>Rates that hurt<\/h3>\n          <p>Cards at 19% or more, furniture financing, a car loan: the cost of that credit dwarfs your mortgage rate.<\/p>\n        <\/div>\n        <div class=\"sh-card\">\n          <h3>A hard year you never caught up from<\/h3>\n          <p>A separation, time off work, an unplanned repair: the debt built up and there was never room to clear it.<\/p>\n        <\/div>\n        <div class=\"sh-card\">\n          <h3>A renewal within months<\/h3>\n          <p>You are going to sign something anyway. Worth checking whether there is more to do than roll over the existing balance.<\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- ================= COMPRENDRE \/ SOLUTIONS ================= -->\n  <section class=\"sh-section\">\n    <div class=\"sh-wrap\">\n      <div class=\"sh-section-head\">\n        <p class=\"sh-kicker\">The basics<\/p>\n        <h2>What consolidation actually changes \u2014 and what it does not<\/h2>\n        <p>Rolling high-rate debt into a mortgage usually lowers the total of your monthly payments, because the rate is lower and the amortization longer. But debt spread over twenty years can cost more in total, even at a better rate. Both numbers matter: the monthly payment and the lifetime cost.<\/p>\n      <\/div>\n\n      <p class=\"sh-intro\">So a consolidation done properly comes with a plan: what gets rolled in, what gets closed, and how fast it gets paid down. Without that, the cards fill back up and the debt returns on top of a larger mortgage. Here are the routes that can be reviewed.<\/p>\n\n      <h3 class=\"sh-sub-h3\">Options that can be reviewed<\/h3>\n\n      <div class=\"sh-solution\">\n        <h3>Refinance at renewal<\/h3>\n        <p>A larger new mortgage that repays the existing loan and the targeted debts. No penalty when it is done at the end of the term.<\/p>\n      <\/div>\n      <div class=\"sh-solution\">\n        <h3>Home equity line of credit<\/h3>\n        <p>An available amount secured by the property, drawn only as needed. Requires discipline, but offers flexibility.<\/p>\n      <\/div>\n      <div class=\"sh-solution\">\n        <h3>Second mortgage<\/h3>\n        <p>When the first mortgage rate is worth leaving alone, the amount to consolidate can be financed in second position.<\/p>\n      <\/div>\n      <div class=\"sh-solution\">\n        <h3>Alternative (B) lender<\/h3>\n        <p>If your current ratios no longer clear the bank grid, an alternative lender may allow the consolidation, at a higher cost and for a limited time.<\/p>\n      <\/div>\n\n      <p class=\"sh-note\">In some files consolidation is not the right answer: a reworked budget, an arrangement with creditors or another measure fits better. The review says so plainly rather than forcing a mortgage solution.<\/p>\n    <\/div>\n  <\/section>\n\n  <!-- ================= D\u00c9MARCHE ================= -->\n  <section class=\"sh-section sh-section--sand\">\n    <div class=\"sh-wrap\">\n      <div class=\"sh-section-head\">\n        <p class=\"sh-kicker\">The process<\/p>\n        <h2>How the review works<\/h2>\n        <p>A simple three-step process, at no cost and with no obligation.<\/p>\n      <\/div>\n\n      <div class=\"sh-steps sh-grid sh-grid--3\">\n        <div class=\"sh-step\">\n          <span class=\"sh-step-num\" aria-hidden=\"true\">1<\/span>\n          <h3>We build the picture<\/h3>\n          <p>Maturity, balance, property value, a full list of debts with rates and payments, income and credit.<\/p>\n        <\/div>\n        <div class=\"sh-step\">\n          <span class=\"sh-step-num\" aria-hidden=\"true\">2<\/span>\n          <h3>We compare the numbers<\/h3>\n          <p>Monthly payment before and after, total cost over time, fees and penalties: the comparison goes on paper.<\/p>\n        <\/div>\n        <div class=\"sh-step\">\n          <span class=\"sh-step-num\" aria-hidden=\"true\">3<\/span>\n          <h3>We put it in place<\/h3>\n          <p>If you move ahead, the financing is structured so the debts are paid directly at signing.<\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- ================= B\u00c9N\u00c9FICES ================= -->\n  <section class=\"sh-section\">\n    <div class=\"sh-wrap\">\n      <div class=\"sh-section-head\">\n        <p class=\"sh-kicker\">What changes<\/p>\n        <h2>What the review can give you<\/h2>\n        <p>Every file is different and no outcome can be guaranteed in advance. Here is what the review usually gives you.<\/p>\n      <\/div>\n\n      <ul class=\"sh-benefits\">\n        <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>A single view of what your debts really cost, monthly and in total.<\/span><\/li>\n        <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>Whether your equity supports a consolidation, and up to what amount.<\/span><\/li>\n        <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>Both the monthly payment and the lifetime cost, not just the flattering one.<\/span><\/li>\n        <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>A repayment plan rather than just a bundling exercise.<\/span><\/li>\n      <\/ul>\n    <\/div>\n  <\/section>\n\n  <!-- ================= COURTIER ================= -->\n  <section class=\"sh-section sh-section--sand\">\n    <div class=\"sh-wrap\">\n      <div class=\"sh-broker\">\n        <div>\n          <p class=\"sh-kicker\">Who you will be talking to<\/p>\n          <h2 style=\"font-size:clamp(28px,3vw,38px);margin:0 0 16px;\">A mortgage broker specializing in non-standard files<\/h2>\n          <p style=\"color:var(--sh-muted);max-width:60ch;\">Nectarios Petropoulos is a mortgage broker with Dominion Lending Centres National and has worked with Quebec homeowners since 2016 on refinancing and consolidation files, including after a bank decline.<\/p>\n          <p style=\"color:var(--sh-muted);max-width:60ch;\">A broker works with several lenders: banks, alternative lenders and private lenders. The job is to compare what exists for your situation and explain the consequences of each option, including when doing nothing is the better call.<\/p>\n          <p style=\"margin-top:26px;\">\n            <button type=\"button\" class=\"sh-btn sh-btn--primary\" data-sh-scroll=\"#sh-lead-form\" data-sh-cta=\"broker\">Get my free review<\/button>\n          <\/p>\n        <\/div>\n\n        <div class=\"sh-broker-card\">\n          <dl>\n            <dt>Broker<\/dt>\n            <dd>Nectarios Petropoulos<\/dd>\n            <dt>Licence number<\/dt>\n            <dd>237338<\/dd>\n            <dt>Brokerage<\/dt>\n            <dd>Dominion Lending Centres National<\/dd>\n            <dt>Office<\/dt>\n            <dd>2525 Daniel-Johnson Blvd, Laval, Quebec H7T 1S9<\/dd>\n            <dt>Phone<\/dt>\n            <dd><a href=\"tel:+15149999946\" data-sh-phone=\"broker\">514-999-9946<\/a><\/dd>\n          <\/dl>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- ================= FAQ ================= -->\n  <section class=\"sh-section\">\n    <div class=\"sh-wrap\">\n      <div class=\"sh-section-head\">\n        <p class=\"sh-kicker\">Frequently asked questions<\/p>\n        <h2>Debt consolidation: your questions<\/h2>\n      <\/div>\n\n      <div class=\"sh-faq\">\n        <details>\n          <summary>Can I consolidate my debts at renewal?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>Possibly. It depends on the equity available in your property, your income, your credit, the amount of debt and the lender's criteria. Renewal is the most favourable moment because it avoids prepayment penalties.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>Does consolidating lower my monthly payments?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>It often does, replacing several high-rate payments with one at a mortgage rate over a longer amortization. The result depends on the financing obtained, the rate, the amortization, the fees and the debts included. No saving can be promised before the review.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>Does it cost more in the end?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>It can, and it is the most important question to ask. Spreading $30,000 over twenty-five years is expensive in interest even at a low rate. That is why we show both the monthly payment and the total cost, and why an accelerated repayment plan usually goes with the consolidation.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>Do I have to close my credit cards?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>Many lenders require it for the debts being consolidated. Beyond the requirement, it is what keeps you from being back in the same place in two years with a bigger mortgage on top.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>My credit has taken damage. Does that rule it out?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>Not necessarily. Alternative lenders weigh equity and ability to pay more heavily. The cost is higher, usually for a term or two while the file is rebuilt and moved back to a bank.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>Why look at this at renewal rather than mid-term?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>Because at maturity you can change lender and restructure without a prepayment penalty. Mid-term, that penalty alone can make the whole exercise uneconomic.<\/p>\n          <\/div>\n        <\/details>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- ================= CTA FINAL ================= -->\n  <section class=\"sh-section sh-section--deep\">\n    <div class=\"sh-wrap\">\n      <div class=\"sh-final\">\n        <div>\n          <h2>Debts taking up too much of every month?<\/h2>\n          <p>Let's use your renewal to compare the numbers before you sign anything.<\/p>\n        <\/div>\n        <div class=\"sh-final-actions\">\n          <button type=\"button\" class=\"sh-btn sh-btn--primary\" data-sh-scroll=\"#sh-lead-form\" data-sh-cta=\"final\">Get my free review<\/button>\n          <a class=\"sh-phone-big\" href=\"tel:+15149999946\" data-sh-phone=\"final\">Or call 514-999-9946<\/a>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- ================= MENTIONS ================= -->\n  <div class=\"sh-legal\">\n    <div class=\"sh-wrap\">\n      <p>The information on this page is provided for general guidance only and is not an offer of credit, a guarantee of approval, or a promise of savings. Consolidation generally extends the repayment period and can increase the total interest paid. Amounts, rates and conditions vary with your situation and are subject to review.<\/p>\n    <\/div>\n  <\/div>\n\n<\/div>\n\n<!-- FAQ structured data. Delete this block if your SEO plugin already outputs FAQ markup for this page. -->\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Can I consolidate my debts at renewal?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Possibly. It depends on the equity available in your property, your income, your credit, the amount of debt and the lender's criteria. 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Good income, and still the feeling of never getting ahead: cards, lines of credit and loans have piled up and eat the budget every month. Renewal is the natural moment to check whether your home equity can restructure all [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":0,"parent":0,"menu_order":53,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-7495","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Debt Consolidation at Mortgage Renewal | Quebec<\/title>\n<meta name=\"description\" content=\"Renewal coming up and your debts weighing on every month? See whether your home equity could restructure the payments. 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