Your home has built equity.
Let it give your family breathing room every month.
Replace scattered high-interest balances with one calm mortgage payment, or unlock up to 80% of your home's value across 30+ competing lenders. Adjust your rough numbers in the calculator to see your equity and monthly savings now.
Instant Equity & Refinance Calculator
Calculate Your Monthly Savings
Most families do not have an income problem. They have a structure problem.
Paying 19.99% on credit cards or 9% on vehicle and personal loans while sitting on untouched home equity drains thousands of dollars from your household every year. A refinance folds those balances into one mortgage rate.
“A smart refinance is not about starting over. It is about replacing high-interest stress with one calm, predictable payment and keeping more of what you earn.”
Illustrative Worked Example · $55,000 Combined Into Your Mortgage
3 payments 1 payment
See how combining three common outside balances into a single mortgage payment frees up over $1,200 every single month.
- $750/moCredit cards$25,000 balance at ~19.99%
- $498/moCar loan$20,000 balance at ~8.99%
- $300/moLine of credit$10,000 balance at ~9.50%
added to your mortgage instead of $1,548/mo in separate bills
*Illustrative example at 4.75% (5-year fixed), 25-year amortization, semi-annual compounding, within the 80% home equity limit. Total interest may increase over a longer amortization. Penalties and fees may apply. Rates and figures shown are illustrative, subject to change without notice, and are not an approval or a commitment to lend.
Three ways your equity can work for you
Whether you want to eliminate high-interest bills, renovate your home, or soften a renewal payment jump, start with a 60-second check.
Access to the lenders that fit your file
Through Mortgage Architects, your application can go to major banks, monoline lenders, credit unions and alternative lenders, not just one institution's rulebook.
Logos are the trademarks of their respective owners and are shown to identify lenders available through Mortgage Architects. Their display does not imply endorsement, sponsorship, or affiliation with Prosper Mortgage Group. Lender availability and product eligibility vary by application.
“When a homeowner comes to me feeling squeezed by monthly payments, my job is never to judge the past. My job is to look at the equity they have worked hard to build, run the penalty and lender math honestly, and hand them a plan that lets them sleep at night.”
With nine years in Canadian financial services, first inside CIBC and Scotiabank and now independently with Mortgage Architects, Rohit Sachdeva shops your file across more than 30 banks, credit unions, and alternative lenders across Alberta & Saskatchewan.
Run the 60-second savings check
Pick your goal, slide to your rough home value and balances, and unlock your estimated monthly savings immediately on screen. No credit check is performed.
We verify your penalty and shop 30+ lenders
Rohit Sachdeva checks the exact payout penalty on your existing mortgage first, then compares major banks, credit unions, and monoline lenders to make sure the math genuinely pays.
Close cleanly with one calm payment
Your lawyer pays out the old mortgage and any outside balances being consolidated, registers the new mortgage, and deposits your remaining funds directly.
What clients say
Every review below is a real, published five-star Google review.
Reviews are reproduced as published on Google, including original spelling. Excerpts are marked and shortened only for length. No compensation was provided. Individual results vary. Past outcomes are not a guarantee of approval, rate, or timeline.
See how much monthly breathing room your home can unlock
Run your rough numbers in three simple steps and reveal your estimated monthly and annual savings right on screen.