You May Qualify For Equity Release

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Increase Monthly Cash Flow

Thousands of Canadians have managed to reduce monthly payments significantly

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About Us

Canada Credits is a mortgage advise service just for Canadians looking to improve their lives and reduce financial stress by unlocking their home equity. We believe that homeowners should never have to worry about debt repayment. With Canada Credits, you get free, non-judgemental advice faster than you can imagine. 

One quick form, a chat on the mobile with one of our financial advice specialists and we will be there for you.

Our quiz is quick and simple to fill out and after 30 seconds you could have made your first step to unlocking your home equity.

If you own a home and are curious about your equity options, please get in touch with Canada Credits.

Our core identity is based on three themes:

We will not judge you. We will listen. We can help.

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How We Can Help

In Canada, we have been encouraged to feed into the debt culture. Personal arrears have skyrocketed over the past couple of decades, fueling our growing economy. However, that bill bubble has burst and, now more than ever, people are struggling to make their monthly repayments.

Thousands of Canadian citizens have managed to get up to 75% of their arrears written off while seizing control of their monthly payments, all thanks to the information, specialist financial advisors can offer. These specialists are completely separate from the banks and those you owe money too. This means they can give you impartial advice on the best ways to manage your arrears.

They will find solutions that work for YOU.

Canada Credits can put you in contact with the right help. When you own a home, worrying about debt will become a thing of the past, giving you the much-needed time to focus on what’s important: your family & friends.

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Find out if you qualify

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See how much  cash you can release

Work with finance experts

What is a home equity loan?

A home equity loan is a secured loan where your home services as the collateral. Because a home is often a consumer's most valuable asset, many homeowners use home equity when money is needed for major items like debt consolidation, emergency funding, education, business improvements and home improvements. 

A home equity loan is available to anyone is on title for a home. You need to speak to an independent expert to make sure you know what to look out for, what questions to ask, and make the best decision to get a refinance done at great rate.

Will my monthly cash flow improve?

With pre-paid mortgages, and by utilizing One Year to Breathe™, some of our clients have improved their monthly cash flow by over 80%.
This only makes sense in certain situations, and is not available to everyone. Please contact us to learn more.

Should I wait for another government stimulus?

Depending on your current financial situation, we can see if it makes sense to do a refinance. In general, we will turn people away if they are better served by waiting for government stimulus, or if the cost of refinancing would be too high.

What should I do if I am struggling to keep up with my property tax and other monthly bills?

If you are struggling to make your monthly payments, the first thing to remember is don’t panic. We are here to help and we always have a solution. As soon as you find yourself struggling, it is important that you get in touch with us to see what we can do for you. Remember you are not alone!

Do you live in Canada? Choose your province and fill out our survey

Our chosen finance experts are based in Canada and are dedicated to helping you both understand and overcome your financial hardships. 

Find out if you're one of thousands that are eligible to dramatically reduce your arrears.

Find out today

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Thanks for taking the quiz!

Your answers suggest you could get access to up to:

$200,000

Frequently Asked Questions

Refinancing can not only save you money, but also dramatically increase your cash flow. 

Refinancing can take place for several reasons, including to better your current home loan rate or draw down on equity for investments, renovations or other purposes.

Can I really save money by refinancing? 

A home equity loan is a secured loan where your home serves as the collateral. Because a home is often a consumer's most valuable asset, many homeowners use home equity for major items like debt consolidation, emergency funding, education, business and home improvements.

A home equity loan is available to anyone that is on title for a home. You need to speak to an independent expert to make sure you know what to look out for, what questions to ask, and make the best decision to get a refinance done at a great rate.

What is a home equity loan?

With pre-paid mortgages, and by utilizing One Year to Breathe™, some of our clients have improved their monthly cash flow by over 80%.

This only makes sense in certain situations, and is not available to everyone. Please contact us to learn more.

Will my monthly cash flow improve?

Depending on your current financial situation, it may make sense to wait before refinancing.

In general, we will turn people away if they are better served by waiting for government stimulus, or if the cost of our services would be too high.

Should I wait for another government stimulus?

If you are struggling to make your monthly payments, the first thing to remember is don’t panic. We are here to help and we always have a solution. 

As soon as you find yourself struggling, it is important that you get in touch with us to see what we can do for you. Remember you are not alone!

What should I do if I am struggling to keep up with my property tax and other monthly bills?

100% Free, Confidential and No Obligation

1-833-214-2411

Estimated Property Value: 550,000 

Estimated Mortgage Amount: 300,000

Equity Available: 200,000

Lender LTV: 90%

Cash Available for Takeout: YES

Interest rate could be as low as 1.69%

Time until you could can get a refinance completed: 7-14 days

Your Canadian Refinance Quiz Results

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"I've known the staff for about two months. Because of their knowledge and experience, they are able to offer solutions that I never thought were even possible. They are very flexible and reasonable with their clients which helps remove the stress when the time comes to moving forward with a mortgage solution. Glad to have met them and will happily refer every one I know."

Gary C. - Brampton, ON

"We wanted to get a mortgage through our bank but came across your website on the internet. Are we ever glad we did. We saved literally tens of thousands of dollars and the whole experience was a breeze."

Dan & Cindy - Grimsby, ON

"I'm so happy I met Mortgage Brokers of Canada. One call saved me thousands in interest fees and gave me peace of mind for 12 months"

Davida K. - Saugeen Shores, ON

Partnered with Canada's Top Lenders and Regulated by FSCO

*FSCO: 10704

Give us a call, or schedule a time for us to call you back. 

We will have a 5 to 10 minute conversation and see if a refinance makes sense for you.

How does it all work?

Safe, Secure and Confidential

Estimated Property Value: 550,000 

Estimated Mortgage Amount: 300,000

Equity Available: 200,000

Lender LTV: 90%

Cash Available for Takeout: YES

Interest rate could be as low as 1.69%

Time until you could can get a refinance completed: 7-14 days

Thanks for taking the quiz!

Your answers suggest you could get access to up to:

Your Canadian Refinance Quiz Results

"I'm so happy I met Mortgage Brokers of Canada. One call saved me thousands in interest fees and gave me peace of mind for 12 months"

Davida K. - Saugeen Shores, ON

"I've known the staff for about two months. Because of their knowledge and experience, they are able to offer solutions that I never thought were even possible. They are very flexible and reasonable with their clients which helps remove the stress when the time comes to moving forward with a mortgage solution. Glad to have met them and will happily refer every one I know."

Gary C. - Brampton, ON

"We wanted to get a mortgage through our bank but came across your website on the internet. Are we ever glad we did. We saved literally tens of thousands of dollars and the whole experience was a breeze."

Dan & Cindy - Grimsby, ON

How does it all work?

Give us a call, or schedule a time for us to call you back. We will have a 5 to 10 minute conversation to see if a refinance makes sense.

Schedule a Call Back

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Call duration: 5-10 minutes

 We will never spam, sell, or misuse your data. 

We will call you back in: 1-2 workdays

Call duration: 5-10 minutes

 We will never spam, sell, or misuse your data. 

We will call you back in: 1-2 workdays

Call duration: 5-10 minutes