You can leverage your home equity to decrease your credit card debt, combining multiple high-interest loans into one affordable payment option. This will simplify your credit payments and possibly enhance your credit scores. Lower payments will also potentially free up funds for other investments. Although mortgage refinancing can be used to consolidate debt, be cautious of associated fees. By partnering with top lenders in Canada, you can access better opportunities and savings. Additionally, smart tools are available to identify cash-flow opportunities and align refinancing with your goals. You can explore options like Home Equity Loans, Lines of Credit, Equity Line Visa, or a second mortgage. Multiple lending sources, including prime lenders and alternative and private lenders with flexible qualifications, can be accessed. Strategic mortgage planning can help change bad debts into good ones. In Canada, innovative tools streamline processes and save time, making the application process easy to start reducing debt and saving money.