The Math: How to Calculate Your Real Savings
A simple way to calculate whether consolidating debt into your mortgage really saves money, with a worked example comparing monthly and total costs.
Debt Consolidation Mortgage Alberta
Guides
Turning many payments into one, using your home's equity
Debt Consolidation Mortgage FAQ
Quick answers about consolidating debt into your mortgage in Alberta: equity, costs, credit scores, which debts to include and staying debt-free.
How Much Equity Do You Need to Consolidate?
How to estimate whether you have enough home equity to consolidate your debts in Alberta, with a simple worked example and the limits lenders use.
Refinance, Second Mortgage or HELOC: Which Way to Consolidate?
The three main ways to consolidate debt with home equity in Alberta: refinance, second mortgage or HELOC, and how to pick the right one.
Is Consolidating Debt Into Your Mortgage a Good Idea?
An honest look at when rolling debt into your mortgage makes sense for Alberta homeowners, when it doesn't, and the questions to ask first.
What Is a Debt Consolidation Mortgage?
What a debt consolidation mortgage is, how it rolls higher-interest debts into your mortgage, and when it helps Alberta homeowners.