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Consolidate Your Debt Fast with Mortgage Forces
Get help from Doyle and the team to refinance and clear high-interest debts.
Debt Consolidation
Streamline your finances by rolling multiple high-interest debts into one manageable mortgage-backed payment.
Combine credit cards, lines of credit, payday loans, and tax debt into one payment
Use home equity to reduce interest rates and simplify finances
Work with a licensed mortgage professional and a trusted debt advisor
- ✔ Lower interest rates compared to unsecured debt
- ✔ One predictable monthly payment to reduce stress
- ✔ Rebuild credit by eliminating high balances
- ✔ Support from Doyle Salewski for long-term debt strategy
Refinancing for Home Renovations
Access your home equity to fund upgrades or repairs — without turning to high-interest loans or credit cards
Unlock equity to improve or modernize your home
Fund repairs, updates, or energy-efficient upgrades
Improve property value and livability
- ✔ Affordable financing through lower mortgage rates
- ✔ Increase home value while meeting lifestyle needs
- ✔ Increase home value while meeting lifestyle needs
Refinancing to Lower Monthly Payments
Restructure your mortgage to free up cash flow and improve financial flexibility.
Refinance at a lower rate or extend amortization to reduce payments
Consolidate other debts to streamline your budget
Reduce monthly obligations while staying in your home
- ✔ Immediate cash flow relief
- ✔ Avoid default or missed payments
- ✔ Avoid default or missed payments
Mortgage Forces: President's Message
As President of Mortgage Forces, I’m proud of our partnership with Doyle Salewski Inc..
Together we combine expert mortgage structuring with trusted debt-relief and budgeting advice, giving Canadians clear options, faster triage, and sustainable outcomes.
The result: not just a loan, but a plan.
Danny (Joseph) Saikaley
(President at Mortgage Forces)
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Working with Moe was a seamless experience from start to finish. He provided excellent service, communicated clearly, and was always... read more
stephanie khazzaka
December 4, 2025I’m sharing my experience working with Maya Kaaki so others can be aware. Throughout our mortgage process, we were repeatedly... read more
Fouad Ibrahim
November 14, 2025 -
Highly recommend
Deborah S
November 13, 2025Melissa at Mortgage Forces is personable and reliable. Thanks Melissa for all of your assistance.
Lois Punshon
November 10, 2025 -
We’ve been working with Vanessa for months, and she’s truly been the MVP of our home-buying journey. She went above... read more
Taylor Jacobs
October 2, 2025My husband and I recently had to work on renewing our mortgage. We chose to go with Mortgage Forces, which... read more
Sarah A
October 1, 2025 -
We are so grateful for Vanessa’s outstanding service. She is professional, knowledgeable, and compassionate, and it really shows in how... read more
Lucy Brown
September 13, 2025Awesome experience and level of effort by the agent. Speedy, clear, honest and transparent.
Alexis Dallaire
July 11, 2025 -
Awesome experience and level of effort by the agent. Speedy, clear, honest and transparent.
Alexis Dallaire
July 10, 2025Great service. Amazing staff.
Frank Ienzi
May 27, 2025 -
Great service. Amazing staff.
Frank Ienzi
May 21, 2025Melissa Forbes was pleasant to work with. She assisted us through our mortgage process and was always available to answer... read more
Greg Phillips
May 13, 2025 -
Me and my wife can't thank enough Vanessa Enache from Mortgageforces. She is an amazing agent helping us buying our... read more
Joselito
May 13, 2025Me and my wife can't thank enough Vanessa Enache from Mortgageforces. She is an amazing agent helping us buying our... read more
Joselito
May 8, 2025 -
Melissa Forbes was pleasant to work with. She assisted us through our mortgage process and was always available to answer... read more
Greg Phillips
May 7, 2025Our experience with Vanessa was amazing she answered all of our questions and was as fast as she could be... read more
Samantha Leger
May 1, 2025 -
Our experience with Vanessa was amazing she answered all of our questions and was as fast as she could be... read more
Samantha Leger
May 1, 2025We were very happy with the service we received from Melissa Forbes. She guided us through the Mortgage process and... read more
Lesley
March 5, 2025 -
We were very happy with the service we received from Melissa Forbes. She guided us through the Mortgage process and... read more
March 4, 2025We were very happy with the service we received from Melissa Forbes. She guided us through the Mortgage process and... read more
Lesley
March 4, 2025
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Debt Consolidation – FAQs
What is mortgage-based debt consolidation?
It's a way to use the equity in your home to pay off high-interest debts like credit cards, payday loans, or tax arrears—converting them into one lower-interest mortgage payment.
How does working with Doyle Salewski enhance this service?
Doyle Salewski brings expert debt relief planning, ensuring your consolidation plan is part of a bigger financial strategy—including budgeting, credit rebuilding, and long-term debt freedom.
Will this affect my credit score?
Initially, there may be a small dip, but paying off revolving debts often improves your credit score over time. Doyle Salewski can also guide you through rebuilding your credit.
What kinds of debts can be consolidated?
Most unsecured debts — credit cards, personal loans, CRA balances, and payday loans — can be consolidated into a mortgage-based solution if there is enough home equity.
What if I already have a good mortgage rate?
If refinancing isn’t ideal, we may explore a second mortgage or home equity loan to access funds without changing your current mortgage.
Are there upfront fees?
Costs such as legal, appraisal, and broker fees may apply, but they can often be included in the new mortgage amount to minimize out-of-pocket expenses.
Can I consolidate debt if my credit is poor?
Yes. Equity and income matter more than credit score in many cases. We work with both traditional and alternative lenders, and Doyle Salewski provides financial guidance along the way.
How long does the process take?
It can take anywhere from a few days to a few weeks, depending on complexity. We’ll coordinate closely with Doyle Salewski to streamline the process and reduce delays.
