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Debt consolidation

Rolling debts into your mortgage — a decision to weigh with a broker.

You're carrying several debts at 10–22% interest and the total monthly payment is choking the budget. Consolidating into the mortgage brings everything down to 5–6% and frees up cash flow immediately — except you're repaying over 25 years instead of 5, and total interest paid can double. An AMF broker prices the full scenarios for your case and tells you honestly whether it's worth it — not a calculator pushing you to sign.

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This page is for you if

  • You carry multiple high-rate debts (cards, personal loans, LOCs).
  • You have equity in your property you could mobilise.
  • You want to understand the real cost of consolidation before signing.
  • You're torn between refinancing, consolidating or negotiating with creditors.

Talk to a broker about consolidation

Courteo doesn't price consolidation automatically. Start a request by selecting the closest situation — the AMF broker will refine.

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How it works

  1. Answer a few short questions

    2 to 3 minutes. We never ask for a target rate, your SIN, or an exact credit score.

  2. Brief qualification call

    An agent from our partner calls to clarify your situation. The call is recorded (with notice), your data stays in Canada.

  3. An AMF-licensed broker calls you back

    A broker licensed by the Autorité des marchés financiers takes over. They're the one advising you — not Courteo.

Frequently asked questions

  • Why can't Courteo just simulate consolidation online?

    Because a poorly calibrated consolidation can cost tens of thousands of dollars more over 25 years. An AMF broker reviews your full budget before recommending it.

  • How much debt can I consolidate?

    Typically up to 80% of your property value, minus your current mortgage balance. The rest stays to repay separately. A broker figures it out with your actual situation.

  • Is it always the best option?

    Not always. Sometimes negotiating credit cards or using a personal line costs less in the long run. An AMF broker lays out the scenarios — the decision is yours.

Why trust us

  • Your data is hosted in Quebec and Canada.
  • You can access, correct, or erase your information at any time (Quebec Law 25).
  • No marketing messages without your consent. We honour the national do-not-call list.
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