One way to reduce credit card debt is to use your home equity. There are various options to consolidate high-interest loans into one lower-payment option, which could simplify credit payments and improve your credit score. Lower payments also mean you could use the freed-up funds for other investments. However, it is important to watch for associated fees when using mortgage refinancing to consolidate debt. By partnering with top lenders in Canada and utilizing smart tools, you can spot cash-flow opportunities and align refinancing with your financial goals. There are various options available such as Home Equity Loans, Lines of Credit, Equity Line Visa, or second mortgage, and you can access multiple lending sources including prime lenders and alternative and private lender with flexible qualifications. With strategic mortgage planning and innovative tools in Canada, it is possible to transform bad debts into good ones. The application process is easy to start reducing debt and saving money.