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  • Debt Consolidation Options
  • Benefits of Consolidating
  • Why Consolidate with Unimor?

Debt Consolidation Loan Options

Home Equity Loan:

Use a home equity loan to quickly pay down debt, free up cash, and move to a lower rate. Home equity mortgages (also known as second mortgages) are secured by the equity that you have in your property. Read More

There are many reasons to consider a home equity loan, debt consolidation is one of the most common. In many cases, Unimor Capital home equity loans can offer you a lower interest rate as compared to other types of loans on the market.

Home Equity Line of Credit (HELOC):

Home equity lines of credit are flexible loans and help you make the most of the equity in your home. With a home equity line of credit, you only borrow what you need (up to the credit limit) and pay the interest only during the ‘draw’ period the lender sets, typically 5-15 years. Read More

Once the draw period ends and you enter the ‘repayment’ period you then begin paying the principal and interest back. Some people choose to refinance it all into one mortgage payment, depending on the lender’s guidelines. A thought to remember about home equity lines of credit is that the interest rate can fluctuate during the life of the HELOC.

Interest Only Line of Credit

When you want lower payments up front and a fixed rate for the life of the loan which are normally for shorter periods. Or an equity line of credit with low rates and pay only the interest on the amount you draw. Read More

An interest-only loan set for a term, wherein the borrower pays only the interest on the principal balance, but with the principal balance unchanged. At the end of the term the borrower may continue the interest-only equity loan, pay the principal, or (with some lenders) convert the loan to a principal and interest payment (or amortized) loan at his/her option.

As an interest only equity line of credit you may draw on as you need it with the same repayment options as an interest only loan. Payment amounts will change depending on how much you draw, lenders.

Refinance Loans

We offer many different types of mortgage refinance loans. We help you benefit from the equity in your home. We clearly explain your options and offer guidance on refinance solutions to help you achieve your short and long term financial goals. Unimor can help you get approved for refinancing at some of the lowest mortgage rates seen in over a generation. View Refinance Loans

Unsecured Personal Loan

With a more favourable interest rate, you may be able to pay down your debt faster by consolidating all your debts into a single Unimor personal loan. Pay it off over a repayment term that balances your cash flow needs with your goal of being debt free. Give us a call today to find out if you qualify for a Unimor personal loan.

With The Right Debt Consolidation Loan – You Can Expect…

Reduction of High Interest Payments:

A remortgage debt consolidation loan can help you cut monthly payments by 50% or more by reducing high interest rates, allowing you to pay your debt off faster – and get up-to-date sooner.

Have One, Easy To Manage, Low Monthly Payment:

Our goal is to help you safely roll in as much of your debt into one easy to manage, low monthly payment.

Prevent Further Credit Blemishes:

Get back on track. All your high interest credit card and overdue accounts will be paid off and up to date.

Increase Your Monthly Cash Flow:

Free up hundreds – even thousands monthly. We help put that extra money right back into your pocket instead of the credit companies.

Catch Your Breath!

Most importantly, we help you stop worrying and finally breathe again. Life shouldn’t be bill after bill – and worrying about how to pay them! If you’re stuck in a swamp of debt and unsure of how to get out, we may be able to help. If you’re ready to put your mind at ease, use the red box to the right and request your personalized consolidation quote. Quotes are free, it won’t cost you anything, and there are no obligations.

Why Consolidate with Unimor?

Detailed Analysis of Pre-Payment Penalties

Ready to close your mortgage term out early? Pay extra down on your mortgage? Many lenders have rules that can hinder your goals. We’ll analyze the fine print of your mortgage options and help you choose the right debt consolidation product based on your short or long term property ownership goals.

No Hidden Fees or Commitment to Worry About

Unlike many other mortgage companies you won’t find any fees secretly buried in your refinance loan. We believe in full transparency and disclosure throughout the entire process. We want you to feel completely confident about your choices. At Unimor there is no commitment, obligation, or cost for a mortgage quote. Our role is to provide you with details about rates, terms, related costs, and the best possible advice for your situation, but ultimately YOU decide if you are comfortable accepting a lender’s offer. If you choose to not move forward, there is no cost to you.

Access To Surprisingly Low Interest Rates

Millions of dollars in in mortgage loans have been processed through Unimor Capital. Why is this important? Because it is this volume that helps ensure our lenders offer you some of the most competitive refinance and equity rates on the market! Think of it as buying in bulk – the more we buy, the more you save.

An Array of Refinance Lending Options

When you request a personalized refinance quote, we immediately screen rates and promotions of dozens of different lending partners, including chartered banks, trust companies, credit unions, non traditional lenders, or private lenders, to find you the lowest interest rate for your situation. With dozens of lending products at your disposal, we’re confident we can provide you with a quote you will smile about.

Quick Close Loans

According to many past clients we close our refinance loans in half the time as other brokerages they’ve worked with. We work tirelessly to make sure you get the best possible quote and your loan closed in as short a time as possible! That is our unwavering commitment to you!

Experience:

With thousands of clients and over 500 million financed since 1980, Unimor has the experience to get you approved at the lowest rate for your situation. You can feel confident knowing we will handle every detail of your mortgage loan efficiently from start to close.

Ongoing Communication:

We keep you informed and feeling comfortable about the details every step of the way!

Convenience

Finding the right refinance loan can be stressful. Very stressful. From the time you request your free mortgage quote, to the day you close on your loan, we make the entire process as convenient, easy, and as low stress as possible. Bottom line, we know you’re busy, so we cut the red tape out as much as possible.

Ontario Wide Service

For clients at a distance, we’ve streamlined the entire mortgage application process. Through phone, fax, and email, all paperwork is efficiently and securely handled in minimal time.

Trusted Experts in What We Do

For years we’ve been helping people like you find the perfect refinance loans. Unimor is a member of IMBA – (Independent Mortgage Brokers Association of Ontario), which sets the “gold standard” in ethics and knowledge of its associates. We are also a member of good standing with the Better Business Bureau. More about our brokerage

The content provided on this website is presented or compiled for your convenience and is provided for informational purposes only. The information provided on this website should not be construed as offering legal, financial or other advice to be relied on by the reader to make or refrain from making any decision or to take any action. Please consult us first before making any decisions. Although we make every effort to ensure accurate mortgage interest rates on Mortgage Approval Help.ca, rates are subject to change without notice at any time. Some rates may be subject to minimum credit score, loan amount and may only be available certain lending areas. Cash back mortgage Ontario residents only. Unimor Capital is a Windsor mortgage broker.