Turn 20–30% credit cards into one lower payment. Even if the bank said no — but only with a real exit strategy. We tell you honestly if it’s the right move.
No impact on your credit · under 60 seconds
Instead of juggling several cards at 20–30%, you make one monthly payment, secured by your home equity. You finally see light at the end of the tunnel — with a realistic path back to conventional financing.
See if I qualify →Don’t let an ad convince you that consolidating with equity is always a win. Three conditions separate a winning strategy from a costly mistake.
Consolidation only works if you don’t run your cards back up while paying down the mortgage. One payment, one goal.
A private mortgage is short-term (6 months to 3 years). You need a realistic plan to exit: sell, or repair your credit during the term so you can refinance with a bank.
Notary and lender fees must be in your budget from the start. We calculate them upfront and put them on the table before you sign.
Refinanced at $83,000 — all debts cleared.
Unsustainable — one spouse off work.
A pre-paid arrangement structured to lower the payment to a manageable level and repair credit.
↳ Refinanced after 10 months with Desjardins, using available equity.
Real file examples (clients anonymized). Results vary by situation.
Rolling credit cards or payday loans (20–30%+) into a lower-rate private mortgage can sharply reduce your monthly payments and free up cash flow.
Sometimes you temporarily pay as much — or a bit more. But with a realistic exit strategy, you return to conventional financing after about 12 months, once arrears are cleared, at a much lower rate.
We lend on your property’s real equity, not your score.
Decision in under 48 h, funds in as little as 5 business days.
Your home equity becomes a solution — when banks say no.
Yes. We lend on your property’s equity, not your score. Your home’s value is what decides.
Lender fees (typically 2–5% of the loan) and notary fees apply. We calculate them upfront — no surprises at signing.
No — and it shouldn’t be. It’s a short-term bridge. We build your exit strategy from day 1 to move you back to a bank.
A Vortex specialist reviews your situation and tells you honestly whether consolidation is the right move for you.
