Refinance / Debt Consolidation

There’s Good Debt and Bad Debt

Mortgages generally qualify as good debt; they are usually available at the lowest possible rates, represent a good investment in a (generally) appreciating asset, and make home ownership possible. Bad debt saddles you with high interest rates - often on depreciating assets. High credit card debt is one of the worst kinds of debt and afflicts most Canadians at some point in their lives. But if you have equity in your home, then you have an opportunity to turn bad debt to good debt - by refinancing and rolling high-interest debt into your mortgage for big interest savings. One of our Mortgage Professionals can talk to you about refinancing at any time.

Manage all of Your Debts Often a new mortgage may be the best way to manage all of your debts. Moving your high-interest debt into a lower-rate mortgage is a great way to save on your overall interest costs, improve your cash flow, and begin the process of improving your credit rating. It's great news that the right mortgage can help establish your reputation for credit-worthiness.


Finding the Best Mortgage at the Best Rate

With the wide assortment of options and features available today for mortgage refinancing or debt consolidation shopping around takes a lot of time and effort. The mortgage process can be intimidating to many Canadian homebuyers so it’s wise to get advice from a CENTUM Mortgage Professional that will represent you and ensure the mortgage you get is the one best suited to your needs.

Finding the right mortgage refinancing or debt consolidation for you is our business. We know which lenders have the best rates and we negotiate with multiple lenders at one time. What’s more, we know the system and have the industry knowledge required to present a proposal for financing to lenders to successfully obtain mortgage financing, and we do all the paperwork.

Plus, CENTUM Mortgage Professionals are compensated by lenders, and in most cases we offer our services free of charge to our clients.

At CENTUM, we’re always “Looking out for your best interest®”.


10’s of Thousands of Satisfied Clients

CENTUM Canada has been delivering the best rate for tens of thousands of satisfied clients for nearly a decade. At CENTUM, we have no commitment to any one lender or product; we recommend what is in the best interest of our clients. We rely on referrals and your repeat business so we have a vested interest in satisfying your needs.


With the Power of CENTUM – You Win®

CENTUM Mortgage Professionals have access to the latest information from over 40 mortgage lending institutions and the negotiating power of Canada’s most influential mortgage brokerage. Whether you’re a first-time home buyer or an experienced homebuyer, finding a great mortgage is often stressful and time-consuming. At CENTUM we will do the work for you to find the best mortgage at the best rate.