Refinancing for Debt Consolidation
Roll your high-interest debts into your mortgage and lower your monthly payments.
Learn more→Mortgage Broker in QuebecMore than a mortgage.
More than a mortgage.
A financial strategy.
Whether you want to lower your payments, buy your first home, invest, or renew your mortgage, I compare 30+ lenders to build a strategy suited to your reality.
- Access to 30+ lenders
- No fees to you
- Affiliated with Agence Multi-Prêts
30+ lenders. One single strategy.
A personalized strategy
Built around your goals, not just a rate.
30+ lenders compared
Banks, credit unions and alternative lenders, shopped for you.
No fees to you
My compensation comes from the lender, not out of your pocket.
One broker from start to notary
One point of contact, one strategy, full support.
Savings calculator
How much could you free up every month
Add your property and your debts, the calculation updates in real time. No information is required to try it.
Step 1 · Your property
$
$
/mo
Step 2 · Debts to consolidate
Leave at $0 anything that doesn't apply| Debt | Balance | Monthly payment |
|---|---|---|
| Credit card | $ | $ |
| Line of credit | $ | $ |
| Personal loan | $ | $ |
| Auto loan | $ | $ |
| Other | $ | $ |
| Total | $44,000 | $1,210 |
Step 3 · Your refinancing
Amortization
Today
Current mortgage payment$1,850/mo
Credit card$380/mo
Line of credit$220/mo
Personal loan$190/mo
Auto loan$420/mo
Total$3,060/mo
After consolidation
New estimated mortgage payment$2,069/mo
Estimated monthly reduction
$991
$11,887 per year
New estimated mortgage amount : $354,000
Excellent potential
Based on the information provided, a consolidation could significantly reduce your monthly payments. A personalized analysis will confirm your eligibility.
Results are provided for illustrative purposes only. Calculations use an average mortgage rate of 5.00% and the selected amortization. Prepayment penalties may apply if your current mortgage is still in effect, the amount varies depending on your mortgage contract.
My services
A solution for every stage of your mortgage journey
Whether you want to lower your payments, buy, or invest, every file is reviewed carefully to find the best strategy.
First-Time Home Buyer
Clear guidance, from calculating your borrowing capacity to pre-approval.
Learn more→Mortgage Renewal
Don't renew blindly. We shop several lenders for better conditions.
Learn more→Income Property Financing (Plex)
Duplex, triplex, fourplex and more. Structured financing to build your wealth.
Learn more→Refinancing for Financial Leverage
Turn your property's equity into capital to invest and seize good opportunities.
Learn more→Not sure which option fits
Let's talk. A short conversation is enough to see things clearly and know your options.
What it changes
Strategies, not just rates
Lowering payments
They thought they were just looking for a better rate. They ended up finding a better strategy.
$4,200/mo$2,800/mo
total payment
Consolidating debt
Rolling high-interest debt into the mortgage freed up cash flow every month, without changing lenders for the rest.
$65,000$1,500/mo
in cash flow recovered
First purchase
A well-prepared file, a clear pre-approval, and peace of mind to shop for a first property.
Uncertain filePre-approval secured
Illustrative examples for demonstration purposes only. They do not represent real clients or guaranteed results, every situation is assessed individually.
My approach
A simple process, in five steps
It takes the stress out of not knowing what to expect.
01
Analysis
We take stock of your goals, your income, and your credit file.
02
Comparing 30+ lenders
I shop your file with more than 30 lenders to find the best conditions.
03
Presenting your options
You receive the compared options, explained simply, so you can choose with confidence.
04
Approval
Once you've made your choice, we move forward with the application and the lender's approval.
05
At the notary
I support you through to signing, and stay available after.
Broker or bank
Why go through a broker instead of a bank
A bank sells you its own products. A broker shops your file for you, with no added fees.
A single institution, versus 30+ lenders
Your bank only offers its own products.
I compare banks, credit unions and alternative lenders for your specific file.
The posted rate, versus the negotiated rate
The rate you're offered rarely comes from real negotiation.
I shop your file with multiple lenders to secure better conditions.
One advisor among many, versus a single point of contact
Your file often changes hands over time.
You have a single point of contact, from the first call to signing at the notary.
No added fees
My compensation comes from the lender, not out of your pocket, whether you go through a bank or not.
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Lenders
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Average response
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No fees
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Single point of contact
About
Karim Naji, your mortgage broker
My role is simple: defend your interests. Rather than limit you to a single institution, I shop your financing among more than 30+ lenders to get you the best conditions for your situation.
From the first conversation through to signing, you have a single point of contact who explains every step clearly, with no jargon and no pressure.
- ✓Personalized support, a single point of contact
- ✓Access to 30+ lenders, banks and credit unions
- ✓Affiliated with Agence Multi-Prêts, one of Quebec's largest networks
- ✓No fees to you
Google Reviews
What clients are saying
5.0/5· 72 Google reviews
“I really appreciated my experience with Karim. Very easy to talk to, professional, and always available to answer questions. He takes the time to explain things clearly without any pressure. You can tell he genuinely wants to help his clients.”
Ali J.· Local Guide, 29 reviews
“A huge thank you for your support throughout the entire process. Your professionalism, availability and advice made all the difference. It was a real pleasure working with you. I recommend you without hesitation.”
Yvens Joseph· 4 reviews
“A huge thank you for your excellent service. Professional, always available, and above all very persistent. You managed to find a solution for our file when several others couldn't.”
Kenza El.· 2 reviews
Frequently asked questions
What clients ask the most
A mortgage broker shops your financing with multiple lenders, banks, credit unions, and alternative lenders, rather than limiting you to a single institution. My role is to defend your interests, not any one bank's.
The best rate is rarely the best strategy.
ContactEmail
Let's talk about your project
A question, a pre-approval, or a file to start. Write to me or call, I respond quickly.
Phone
Office
6205 Av. Auteuil, Brossard, QC J4Z 3R8
Affiliation
Agence Multi-Prêts
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