★★★★★  5.0 from 150+ Google reviews

Consolidate all your debt into one easy payment with a refinance.

Free up hundreds every month and stop juggling five separate payments.

For Ontario homeowners. Takes about 2 minutes. Free, no credit check.

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Last step. Where should we send your results?

Is this for you?

This is for you if

✓You own your home in Ontario
✓Your mortgage is less than about 80% of your home's value
✓You carry high interest debt like credit cards or loans
✓You want one lower monthly payment

This is not for you if

✗You rent your home
✗You owe more than about 80% of your home's value
✗You have no high interest debt to clear
✗You are only hunting for the lowest rate
Julie Brenneman, mortgage broker

Meet Julie

Licensed mortgage broker · Mortgage Architects · Licence 12728

Julie has helped Ontario homeowners for over 15 years, including plenty the bank turned away, using lenders the big banks do not have. No call centre here, just real people, and when you book you talk to Julie directly.

★★★★★  5.0 from 150+ Google reviews

★★★★★"Julie is so great to work with. She made the entire process seamless. She was flexible, knowledgable, answered all our questions and eased our worries. She responds quickly and takes time to walk you through every step."Erika · Google review
★★★★★"This is the second time we have used Julie for our mortgage needs and each time everything was done on time, she answered our questions and took care of all the paperwork. I would recommend."Ildiko Beres · Google review
★★★★★"Julie and her team went above and beyond to help make our experience as easy as possible. They really give you a lasting positive experience. Very quick to respond to any questions."Chris Evans · Google review

Questions homeowners ask

What is a refinance?

A refinance replaces your current mortgage with a new one. The new mortgage is big enough to pay off your credit cards, loans, and line of credit too. All of that debt is gone, and you are left with one monthly payment instead of five.

Will checking hurt my credit score?

No. Answering the questions involves no credit check at all.

What about my current mortgage?

We look at any penalties and timing, and only recommend this if the math works in your favour.

My credit is bruised. Can I still do this?

Often yes. We work with lenders the big banks do not have, and bruised credit is exactly the kind of situation they exist for.

Ready for one payment?

Two minutes of questions. No credit check. A straight answer.

See if I qualify

Free · No obligation · Ontario homeowners

Julie Brenneman, Mortgage Architects, brokerage licence 12728. Serving Ontario.

Rolling debt into your mortgage can lower your monthly payment, but it may extend how long you pay and the total interest over time. Julie reviews the full picture with you before you decide.

Estimates shown are illustrative and depend on your situation. On approved credit.

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