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As a refinance for debt consolidation requires you to terminate your existing contract with your lender and enter into a new mortgage, you will have to pay a mortgage break penalty.This is determined through a number of factors including your original mortgage contract date and current mortgage balance and rate.However, if your credit rating has gone down because of your debts, you may have difficulty applying for a loan.

This is a little different that if you were going to purchase, where you can borrow up to 95% of the purchase price.

So, you not only take a lot of pressure off your hard earned dollars, you also save money by paying less in interest and more in principle.

With a debt consolidation home equity loan, you can be completely debt free in no time. The amount you can borrow depends on the difference between the value of your house and how much you owe on your home, which is the equity amount.

When debt problems can’t be solved by most debt relief strategies, many assume bankruptcy is their only option.

Consumer Proposals offer another solution, protecting all your assets and providing immediate relief.




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