Take Control of Your Finances with Debt Consolidation Mortgages in Canada

Are high-interest debts weighing you down? Debt consolidation mortgages are the perfect solution to simplify financial obligations and reduce your monthly payments. At Genesis Group, we help Canadians streamline their debt into one manageable payment by leveraging home equity. Whether it’s credit card debt, car loans, or personal loans, our expert team will guide you through a customized solution tailored to your financial goals.

Residential Mortgages in Canada-the Genesis Group
Debt Consolidation Mortgages in Canada-the Genesis Group

Key Benefits of Choosing Debt Consolidation Mortgages with Genesis Group

  • 💰 Lower Interest Rates: Consolidate high-interest debts into a single, lower-interest mortgage.
  • 🕒 Simplified Payments: Combine multiple payments into one easy-to-manage monthly payment.
  • 📉 Reduce Financial Stress: Take control of your finances and improve cash flow.
  • 🌟 Customized Solutions: Tailored options that align with your unique financial needs.
  • 🏆 Trusted Expertise: Work with Canada’s top mortgage brokers to secure the best rates and terms.

How Debt Consolidation Mortgages Work (Step-by-Step Guide)

  • Consultation and Assessment:
    Our experts assess your current debts and financial situation to determine eligibility for a debt consolidation mortgage.

  • Home Equity Evaluation:
    We evaluate your home’s equity to understand how much you can borrow to pay off high-interest debts.

  • Loan Structuring:
    Tailored terms and interest rates are created to suit your financial goals.

  • Debt Consolidation:
    High-interest debts are combined into one mortgage, reducing overall payments.

  • Achieve Financial Freedom:
    Enjoy peace of mind with one simplified payment and improved cash flow.

Debt Consolidation Mortgages in Canada-the Genesis Group
Getting the right mortgage rate gif-The Genesis Group

5 Year - Fixed Term from

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Get Started Now and Save Thousands!

No cost, no obligation—just your best rate in minutes.

At Genesis, we’re dedicated to securing the lowest rate possible for you. Your personalized rate depends on factors like credit score and home equity, in line with Canadian regulations. Get your tailored details quickly—with zero cost, zero obligation, and total peace of mind.

Term
Rates From
Payments as low as
1 Year Fixed
5.79%
$3,157/mo
2 Year Fixed
4.84%
$2,876/mo
3 Year Fixed
4.39%
$2,748/mo
4 Year Fixed
4.59%
$2,804/mo
5 Year Open
4.95%
$2,908/mo
5 Year Variable
4.45%
$2,736/mo
Illustration purposes only. Use our Genesis Mortgage Calculator for a more detailed look.

Why Choose Genesis Group for Debt Consolidation Mortgages in Canada?

  • Expert Guidance: Our team works with over 65 lenders to find the best rates and terms for your needs.
  • Tailored Solutions: We understand that every financial situation is unique and craft solutions just for you.
  • Transparency You Can Trust: No hidden fees—just honest advice and clear communication every step of the way.
  • Award-Winning Team: Genesis Group is a trusted name in Canadian mortgages, helping thousands of homeowners consolidate debt.

For additional resources on managing debt in Canada, visit the Financial Consumer Agency of Canada.

Debt Consolidation Mortgages in Canada-the Genesis Group

Discover the Key Benefits of Choosing Your Debt Mortgage with Genesis Group.

⭐⭐⭐⭐⭐ Experience Guaranteed

  • Kirk is a class act! He helped me with my first home property mortgage and couldn’t have asked for a more professional person to deal with. Him and his team... read more

    Lui Vescio Jr. Avatar Lui Vescio Jr.
    12/13/2024

    As a first-time homebuyer, navigating the mortgage process can be incredibly daunting, but The Genesis Group made it not only manageable but truly rewarding. I had the distinct pleasure of... read more

    Rohan Spence Avatar Rohan Spence
    05/13/2024

    Had a great experience dealing with Brittney. Fantastic communication and really worked for me and my needs. Will never go anywhere else for my financial needs

    Mark Winter Avatar Mark Winter
    11/13/2024
  • If getting a mortgage was an Olympic sport, these guys would take gold—blindfolded, on a unicycle, while juggling flaming swords. They made the process so smooth, I was half convinced... read more

    Samantha L Avatar Samantha L
    09/13/2024

    My partner and I have been in our first home for over a month now and we cannot thank Kirk and The Genesis Team enough! Kirk was patient, professional, supportive,... read more

    stephanie B Avatar stephanie B
    01/13/2023

    Could not say enough about The Genesis Group. The level of dedication, professionalism, and knowledge is unmatched. When dealing with such a big life decision like buying a house -... read more

    Maria Woychyshyn Avatar Maria Woychyshyn
    11/13/2024
  • The Genesis Group exceeded my expectations! Purchasing an investment can be a scary process especially during this unprecedented time. I had the pleasure of working with Kirk and his assistant... read more

    S T Avatar S T
    01/13/2023

    From the very first meeting to the joyous moment of receiving my keys, The Genesis Group, under the astute leadership of Kirk Bryan, has been nothing short of spectacular in... read more

    Rohan Germain Avatar Rohan Germain
    01/13/2024

    Was a great experience working with Kirk and his team. They not only helped me refinance my mortgage on my house, they also assisted me in a commercial business acquisition.... read more

    Sean P. Avatar Sean P.
    02/21/2024
4.6
Based on 35 reviews
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Gain access to our vast network of 65+ lenders offering tailored residential mortgages to suit your financial needs.

Take the first step toward financial freedom today! Contact us now for a free consultation and see how a debt consolidation mortgage can help you take control of your finances.

Frequently Asked Questions

What is a debt consolidation mortgage?

A debt consolidation mortgage allows you to combine multiple high-interest debts, such as credit card balances and personal loans, into one manageable mortgage payment.

You’ll need sufficient home equity, a good credit score, and a stable income to qualify. Our experts can guide you through the process.

Consolidating debt can improve your credit score over time by lowering your debt-to-income ratio and ensuring consistent payments.

 Common debts include credit card balances, car loans, personal loans, and lines of credit.

Debt consolidation mortgages often offer lower interest rates compared to personal loans, especially if you have significant home equity.

Yes! We work with lenders who specialize in providing solutions for clients with less-than-perfect credit.

Simply book a free consultation with our team, and we’ll help you explore your options for consolidating debt through your mortgage.

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5 Year - Variable

4.45%

This exclusive rate is available for High Ratio Mortgages and applies to both new purchases and some mortgage switches. With a guaranteed rate of Prime -1.00%, you’ll enjoy the freedom to make extra payments or increase your monthly payments by up to 20% per year.

And the best part? This is a full-frills mortgage—no hidden surprises or restrictive clauses like a bona fide sales clause!

Prime Rate @ 5.45%

4.45% - 5.50%

If you don’t qualify for our lowest advertised rate, don’t worry! We have other competitive options tailored to your needs. Factors such as your credit score and home equity will determine your final rate.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

5 Year - Open

4.95%

Enjoy a rate discount starting from Prime -0.50% for your term. This 5-year Adjustable Rate Mortgage (ARM) offers unmatched flexibility: pay it, lock it, break it, or change it—with no restrictions or penalties.

Perfect for insured, insurable, and uninsured new purchases and switches, this option is available for owner-occupied properties only.

Prime Rate @ 5.45%

4.95% - 6.75%

If you don’t qualify for our lowest advertised rate, don’t worry—there are still excellent low-rate options for you! Your final rate depends on factors such as your credit rating and home equity.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

5 Year - Fixed

4.24%

Lock in this competitive rate for High Ratio purchases! Enjoy the flexibility of making up to 20% lump sum payments annually, plus the option to increase your regular payments by up to 20%—perfect for managing your mortgage your way. Secure this rate for up to 120 days, giving you the confidence to plan ahead.

4.24% - 5.69%

Even if you don’t qualify for our lowest advertised rate, we’re here to help with a variety of competitive options designed to meet your needs. The rates above reflect realistic possibilities based on factors such as your credit score, home equity, and financial profile.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

4 Year - Fixed

4.59%

Take advantage of this competitive rate available for High Ratio purchases and select Insured transfers! Enjoy the flexibility of making up to 20% lump sum payments annually and increasing your regular payments by up to 20%. This is a full-featured mortgage designed to give you the freedom and flexibility you need. 

4.59% - 6.84%

If you don’t qualify for our lowest advertised rate, don’t worry—we’ve got a variety of low-rate options to fit your needs. The rates shown above reflect realistic scenarios and are influenced by factors like credit score, home equity, and financial profile.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

3 Year - Fixed

4.39%

Take advantage of this fantastic rate available exclusively for High Ratio deals! With the flexibility to make up to 15% lump sum payments annually and the option to increase your regular payments by up to 15%, this is a full-featured mortgage that adapts to your needs. Lock in this rate for up to 120 days and plan your homeownership journey with confidence.

4.39% - 5.79%

Don’t worry if you don’t qualify for our lowest advertised rate—we’ve got you covered with a range of low-rate options tailored to fit your unique circumstances. The rates above reflect realistic scenarios based on factors such as credit score, home equity, and financial profile.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

2 Year - Fixed

4.84%

Lock in this competitive rate for High Ratio purchases! Enjoy the flexibility of making up to 20% lump sum payments annually, plus the option to increase your regular payments by up to 20%—perfect for managing your mortgage your way. Secure this rate for up to 120 days, giving you the confidence to plan ahead.

4.84% - 6.19%

Even if you don’t qualify for our lowest advertised rate, we’re here to help with a variety of competitive options designed to meet your needs. The rates above reflect realistic possibilities based on factors such as your credit score, home equity, and financial profile.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

1 Year - Fixed

5.49%

Unlock this exclusive low rate for High Ratio purchases and Switches. Enjoy up to 20% lump sum payments annually and the flexibility to increase your payments by 20%! Plus, lock in this fully-loaded mortgage rate for up to 120 days—no hidden restrictions, just exceptional value.

5.49% - 6.99%

Even if you don’t qualify for our lowest rate, we’ve got plenty of low-rate options tailored to fit your unique situation. Your final rate depends on factors like your home equity and credit score, but with Genesis, you’ll always get the best-possible rate for your needs.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.