We help our clients put Zen into their financial lives by lowering their monthly debt-related payments by as much as 50% in some cases. We do this through our specialty: a mortgage refinance for the purpose of debt consolidation. But that’s just the start of the journey.
By paying all your debts, your score goes up.
Education, planning, and smart debt ensure a worry-free future.
We consolidate all your debts. Easy and Simple.
First, fill out this basic questionnaire to find out if you meet basic eligibility criteria, then book a free, no-obligations phone consultation with us.
The short, 15 minute call is meant to get a better understanding of your financial predicament. We will quickly determine if your file has a chance of being approved, and whether our program is the right fit for you.
Our mortgage brokers have years of experience analysing debt consolidation files and they will spend up to an hour with you developing a tailored financing structure. The goal is to reduce your monthly debt payments and give you breathing room.
We get to work collecting your documents, structuring the loan request and presenting it to our banking partners. We are experts at getting approvals with tough credit situations, and within a few short weeks you can get the funds needed to pay off your cards, loans, and lines of credit!
We are masters at lowering our client’s monthly payments but we also recognize that a simple refinance is often not enough. What we really want is for our clients to get zen… and stay zen. To this end, our program features 4 essential pillars.
Handled by our experienced mortgage brokers, we refinance your home with the aim of grouping high interest debts into one new, lower-interest payment, dramatically freeing up cash flow.
We offer all of our clients a one-hour session with a qualified financial educator. Their aim is to cover some of the most fundamental money management topics that many of our clients have expressed interest in knowing more about.
An essential underpinning to a healthy financial recovery is protection, both for the new mortgage in the form of mortgage insurance, and also for the person in the form of personal insurance. An insurance broker is always tasked with reviewing insurance options on every file.
Then we also offer a twice-yearly session with an accredited financial planner. His task is to delve into the particulars of our client’s budgets, and to help develop money management strategies aimed at staying financially zen.
We also offer a curated and customized informational package that lets our clients get more detailed insights into the particulars of their debt consolidation. It is full of essential data, tailored to the numbers in their file.
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Wages aren’t keeping up with inflation. Consumer debt is piling up and Canadian households are suffering. When our clients enter a debt spiral, it’s really hard to get back out. Scuttle parrel provost Sail ho shrouds spirits boom mizzenmast yardarm. Pinnace holystone mizzenmast quarter crow's nest nipperkin grog yardarm hempen halter furl. Swab barque interloper chantey doubloon starboard grog black jack gangway. Deadlights jack lad schooner scallywag dance the hempen jig carouser broadside cable strike colors.
Everyone deserves financial zen. Life is more than bills; it needs financial breathing room. ZenFi’s Financial Recovery program offers this, plus tools to prevent future issues.