Goodbye debt, hello Zen.
At ZenFi, we help homeowners in Quebec simplify their financial life by lowering their monthly payments by up to 50%.
Our specialty: mortgage refinancing to bring your balances together and lighten your budget. Have a look at our solutions and see how they fit your situation.
100% freeNo obligation
Better credit
When all your debts are paid off, your credit score goes up.
Financial Zen
Education, planning, and smart debt management set you up for a calmer future.
Several debts, one payment
Your debts brought together into one payment. Simple and easy to manage.
How does it work?
In 4 simple steps
In 4 simple steps
We check your eligibility
Fill out our short questionnaire to check the basics, then book a free phone consultation with no obligation.
We make a pre-qualification call.
This 15-minute call is there to understand your financial situation better. Together we look at whether your file has a chance of being approved and whether our service matches what you need.
We do a full assessment.
Mortgage brokers who specialize in financial recovery take the time you need to build a plan with you. The goal is to lower your monthly payments and give you room to breathe again.
We handle your file. Relax!
We structure the loan application and present it to our banking partners. We do everything we can to get your approval. In a few weeks, you get the funds you need to pay off your debts.
The simulation tool is available in French.
Simulateur d'Épargnes Zenfi Canada
Ce simulateur vous permet d'estimer des économies potentielles en regroupant certaines dettes dans une nouvelle hypothèque.
Entrez vos dettes actuelles
Indiquez les soldes et paiements pour chaque type de dette. Aucune information n'est enregistrée tant que vous n'avez pas planifié votre consultation.
Prêts Personnels
- 0 $0 $50 000 $
Prêts Auto
- 0 $0 $75 000 $
Total des dettes
20 000 $
Estimations seulement. Ceci n'est pas une offre de prêt ni une garantie d'économies. Les taux, paiements et économies réels peuvent varier. Sujet à approbation de crédit. Ratio prêt-valeur (RPV) maximum de 80% pour un refinancement avec retrait de fonds. Paiements minimums présumés à des fins d'estimation : 5 % du solde des cartes de crédit et 1 % du solde des marges de crédit. Nouveau paiement hypothécaire estimé basé sur un amortissement de 30 ans. Les "économies potentielles" font référence à la réduction estimée du total des paiements mensuels pour les dettes incluses dans cette simulation. L'extension des périodes d'amortissement, comme cela peut se produire avec un refinancement avec retrait de fonds, peut entraîner le paiement d'un montant total d'intérêts plus élevé sur la durée du nouveau prêt par rapport au maintien de vos dettes actuelles, même si les paiements mensuels sont moins élevés. Cette simulation ne calcule pas le total des intérêts payés.
Testimonials
Straight from Google. Click and check for yourself.
Straight from Google. Click and check for yourself.
Reviews appear in French, their original language.
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assessment.
The ZenFi program.
We specialize in lowering the monthly payments tied to debt, and we know a refinance on its own is not always enough. What we want is for our clients to reach Zen and to keep it. That is why our refinancing program rests on 5 key pillars.
We specialize in lowering the monthly payments tied to debt, and we know a refinance on its own is not always enough. That is why our program rests on 5 key pillars.
The Refinance
With the expertise of our mortgage brokers, we refinance your home to pay off your debts and lower your monthly payments.
Credit support
When your credit report has taken a hit, it matters to follow the right practices to rebuild it and to correct any errors. With the support of a credit recovery expert, it is possible to rebuild your score for the long term.
Insurance
Mortgage or personal, protecting what you have built is an essential part of financial peace of mind. Our insurance brokers review each file with care so your coverage fits your needs today and later on.
Financial planning
Our clients meet a Financial Security Advisor accredited by the AMF, Quebec's financial regulator. Their role is to go through your budget in detail and design a financial strategy that fits you, so you can hold a steady balance over time.
Educational content
Every client receives a personalized education document, written to give clear details on their debt consolidation process and to help them understand each step of the road already covered.
Mortgage Broker and Responsible Officer
Mortgage Analyst
The ZenFi professionals who listen to your needs.
Behind ZenFi there are professionals who care and who understand the real money pressures of everyday life. Different backgrounds, one shared goal (clear solutions, without stress or jargon), we are here to guide you however complicated your situation is. Human first, we take the time to listen and to find what actually works for you.
Our Mission.
Getting you to financial Zen.
Life throws things at you. A job loss, an illness or a separation can put money under pressure quickly, and getting back on top of it is often hard.
At ZenFi, we are here to help you simplify your finances and lighten the load. Mortgage refinancing, debt consolidation and a personalized program: our full service offer is built to bring back financial Zen and a calm that lasts.
We believe a hard stretch can turn into a real fresh start, with support that is transparent, accessible, and built around you.
Frequently Asked Questions.
What costs come with a refinance?
A refinance can come with certain costs: a penalty on your current mortgage (if it is refinanced before the end of the term), notary fees, in some cases a commitment fee charged by the lender based on your credit score, and our professional fees. The good news is that these costs are usually rolled into the new loan, so you pay nothing out of pocket. And if your file is not approved, you are charged nothing. Our assessment puts the numbers in front of you so you can see clearly whether this makes sense for your situation.
Are you a licensed insolvency trustee?
No. One of our main missions is in fact to help our clients avoid bankruptcy and consumer proposals. Our service is built on mortgage refinancing, with experienced mortgage brokers.
My bank already said no. Can you still help me?
Yes. As mortgage brokers, we work with several financial institutions, and some of them have more flexible criteria than your bank. A no from your bank does not mean there is nothing available for you.