Red Flags in Debt Consolidation Offers
Warning signs of bad debt consolidation offers in Alberta, from upfront fees and pressure tactics to title transfers, and how to protect yourself.
Debt Consolidation Mortgage Alberta
Guides
Turning many payments into one, using your home's equity
Emergency Funds: The Key to Not Re-Borrowing
Why an emergency fund is the most important step after consolidating debt, how much to aim for, and how to build one alongside your mortgage payments.
What to Do With Your Paid-Off Cards
Whether to close, keep or lower the limits on credit cards after consolidating debt, and how each choice affects your credit and your habits.
Building a Budget After You Consolidate
How to build a simple monthly budget after consolidating debt into your mortgage, so the debt doesn't come back.
Balance Transfers: When They Beat a Mortgage
When a credit card balance transfer offer can beat consolidating debt into your mortgage, and the fees and traps to watch for.
Debt Consolidation Loans From Banks: How They Compare
How an unsecured bank debt consolidation loan compares with consolidating into your mortgage, on rate, term, risk and approval.
Consolidation vs Credit Counselling vs Consumer Proposal
How a debt consolidation mortgage compares with non-profit credit counselling and a consumer proposal for Alberta homeowners, and who each suits.
Consolidating Debt in Retirement
How retired Albertans can consolidate debt using home equity, how lenders view pension income, and how to protect retirement security.
Consolidating Debt After Separation
How Albertans use a refinance to consolidate debt and buy out a former partner after separation, and the legal and lending steps involved.
Consolidating at Renewal
Why your mortgage renewal is often the cheapest time to consolidate debt in Alberta, and how to plan for it months in advance.