Free calculator for Canadian homeowners. No credit check, 60 seconds, instant report.
“Capitis loaned me the money to consolidate my debt, cut my payments by 37%, and get back on track financially.”
— Brian, Capitis client
If you own a home, you have an asset most lenders care about: equity. The difference between what your home is worth and what you still owe on your mortgage. That equity can be used to take out a second mortgage — a separate loan, secured by your home — and the money from that loan pays off everything else.
Credit cards. Lines of credit. Car loans. Personal loans. All of it gets paid off the day the second mortgage funds. You're left with one payment instead of five or six, and the interest rate is dramatically lower than a credit card.
Here's where the savings come from: a credit card at 19.99% versus a private mortgage at a much lower rate is a significant gap. On $40,000 of debt, that gap can mean thousands of dollars a year that used to go to interest and now stays in your pocket. The longer you carry the debt, the bigger the gap compounds.
This calculator does that math for you, using your actual debts and balances.
Banks don't make decisions about you. They make decisions about a checklist. Credit score above X. Debt-to-income below Y. Two years of clean tax returns. If any line on that checklist fails, the file gets declined — even if you have $300,000 of equity sitting in your home.
Capitis works differently. We're a private lender, not a bank. That means we make real decisions, by real people, on real deals. We care about the equity in your property, the plan, and whether the consolidation actually solves your problem. We don't run our underwriting through an automated credit model.
If you've been declined for a consolidation loan at your bank, that doesn't mean consolidation is off the table. It means you've been told no by the wrong lender.
“I changed jobs and my credit took a hit. Capitis loaned me the money to consolidate my debt, cut my payments by 37%, and get back on track financially.”
Brian had never missed a payment. He'd just changed jobs. To his bank, that was enough to say no. To Capitis, it was a story that made sense — and a deal we could fund.
After you run the calculator, you'll get a personalized PDF report — the Debt Consolidation Blueprint — sent to your inbox and available to download immediately.
It includes:
It's the same kind of report a financial advisor would put together for you. Yours, free, in about 60 seconds.
Capitis is a Canadian Mortgage Investment Corporation founded by Brock Frost — a former top-10 mortgage broker who got tired of watching banks turn down deals that made perfect sense. We're built for the situations banks aren't designed for: debt consolidation, spousal buyouts, bridge financing, construction, and equity unlocks for homeowners with real plans.
If your situation has anything unusual about it — life event, complicated income, a recent credit ding, a tight timeline — that's not a problem here. That's the entire reason Capitis exists.
The calculator takes about 60 seconds. You'll have your Blueprint in your inbox before you finish your coffee. No obligation, no credit check, no follow-up unless you want one.
Or call us at 888-841-9161