Debt consolidation · Ontario & Alberta

You're one conversation away from

Most homeowners carrying card and loan balances pay two to three times more each month than they need to. Six questions, about a minute.

No credit check to see your number
Works with bruised credit, collections, past proposals
One licensed advisor, start to finish

Nothing is pulled from your credit file.

Under Pineapple Financial Inc.
FSRA #M22000276
Brokerage #12830
RECA

The process

It has never been this easy.

Five steps across about a week, and this is your whole share of them.

Your numbers

See what you could save every month

Rolling high-interest balances into your mortgage usually cuts the total monthly payment. Rough estimates are fine.

What is your home worth?

How much is left on your mortgage?

What do you pay on it each month?

Cards, loans and lines of creditEverything except the mortgage. Total owing.

What do those cost each month?Add up the minimum payments.

How is your credit?

ExcellentNever miss a payment, low balances GoodPaid on time, cards running high FairA few late payments in the last year RebuildingMissed payments, or a discharged proposal

Pay it off over

25 yearsHigher payment, less interest 30 yearsLowest monthly payment

Your estimate

Here is what it could look like

less every month

Paying now

mortgage plus debts

Could be paying

one payment

An estimate, not an offer. It uses a sample rate for the credit range you picked and excludes legal fees, the appraisal and any penalty for breaking your current mortgage. Carried the full 30 years you could pay more interest overall, which is why most clients put some of the freed-up cash flow straight back onto the balance. Nobody is approved until a lender says so in writing.

The process

What happens after the call

Five steps across about a week. This is your whole share of them.

Straight answers

Three things almost everyone says here

Ranked by how often they come up across 1,929 recorded client calls.

The fees are a lot.

You pay none of them out of pocket. Lender, legal and broker fees are held back from the mortgage proceeds by the lawyer at closing. The only thing you pay directly is the appraisal, normally $300 to $400. It is a one-time cost of borrowing, not a monthly charge.

Most common · 172 of 1,929 calls

Let me think about it.

Nothing above commits you. We would just ask you to think about it with real lender numbers rather than this estimate. Book the time and cancel if the numbers do not work, because open-ended callbacks are where these files quietly stall.

Second · 114 of 1,929 calls

That rate is too high.

Compare it to what you are carrying. The balances going in here usually sit between 12% and 25% on cards and lines of credit. The number that hits your account is the monthly payment, and it is already shown above. If a bank will do this cheaper, take it, and we will tell you when that is the better move.

Third · 46 of 1,929 calls

Almost there

Where should your advisor reach you?

Next you pick a time. A licensed advisor works your file before the call, so you get real lender numbers rather than another estimate.

First name

Last name

Mobile

We never sell your details. No credit check at this stage.

Last step

Pick a time that works

Most calls take about fifteen minutes.

Booking calendar goes here. Paste your Google Appointment Schedule link into CONFIG.BOOKING_URL.

Want real numbers before the call?

Optional. Sending these now means your advisor works your actual file instead of asking questions on the call.

Your most recent mortgage statement
A recent pay stub, or last year's Notice of Assessment

Tap to add files

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