Lower your debt payments by up to 50%!
Bringing your debts together through a mortgage refinance can get you back on your feet quickly, even if other banks have already said “no”.
- Lower your overall interest rate substantially
- Rebuild your credit safely
- Reduce your debt payments by an average of $22,000 per yearsource ↓
- Guaranteed: a service overseen by mortgage brokers certified by the AMF, Quebec's financial regulator
87% of homeowners are eligible, why not you?
Better credit
When all your debts get paid off, your credit score goes up.
Financial Zen
Learning, planning, and smart debt management give you a calm future.
Lower monthly payments
A reduction of 30% to 50% is possible!
Bring your debts together into a single payment at a lower rate!
Fill out our eligibility questionnaire, then book a free pre-qualification call with no obligation to find out whether we can help you.
This phone consultation lets us understand your situation better and check whether our service fits your needs. You will see the potential savings you could reach with our personalized action plan.
We structure the loan application and present it to our banking partners. We take care of everything. In just a few weeks, you get the funds you need to pay off your debts and reach Financial Zen.
The simulation tool is available in French.
Regulatory texts are presented in French, as required by our licence.
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.
Even with a low credit score, refusals from banks, or maxed-out cards, we can help you. 
Take advantage of the ZenFi Program, well beyond what traditional banks offer!
Numbers that come from real files.
No numbers invented for an ad. What follows is calculated directly in our client files, from June 2024 to today.
Average reduction in debt payments, among our funded clients
Average reduction of the total monthly payment tied to debts
Funded files whose payment drops by at least 30%
Funded files that cut their payment in half or more
Put another way, an average of $1,896 less per month, by consolidating around $300,000 of debt into a single payment.
Source of the figures: averages calculated in our client files where the financing was completed, from June 2024 to July 2026. Half of these clients do better than $1,485 per month. Estimates established when the file was analyzed, before financing. Two independent extractions of our data (internal analysis base and signed mandates) reach the same results to within about 1%. For transparency: about 5% of the files analyzed show no reduction at all, and no file was excluded to make the numbers look better. Individual results vary with each situation.
Testimonials
Straight from Google. Click and check for yourself.
Straight from Google. Click and check for yourself.
Reviews appear in French, their original language.
See a case study.
This video is in French.
The video above tells the story of a family who went through a job loss, built up debt, and watched their house fall into disrepair, which called for major renovations. Between Fairstone loans at 35%, credit cards at 22%, and personal loans at 19%, they were paying $2,755 a month on their obligations.
After a full assessment and a personalized recovery plan, we brought their debts together and secured new mortgage financing (including $30,000 for the renovations), while cutting their monthly payments by $931. That consolidation is what let them become Zen.
The benefits of our service.
No more debt payments piling up and no more calls from collection agencies! Clear your mind and enjoy life, save for a trip or for the projects that matter to you!
Simplify your budget with a single payment.
Rebuild your credit score.
Avoid bankruptcy or a consumer proposal.
Save money and put your finances back on steady ground.
The ZenFi Program, a recovery plan that is one of a kind.
The Refinance
With the expertise of our mortgage brokers, we refinance your home to pay off your debts and bring your monthly payments down.
Credit support
When your credit file has taken a hit, it helps to follow the right practices to repair it and to correct any errors. With the support of a credit recovery expert, your score can be rebuilt for the long run.
Insurance
Whether mortgage or personal, insurance is an essential part of financial peace of mind. Our insurance brokers review each file carefully so your coverage fits your needs today and the ones coming later.
Financial planning
Twice a year, our clients meet a Financial Security Advisor accredited by the AMF. Their role is to go through the budget in detail and build a personalized financial strategy, so the balance holds over the long run.
Educational content
Every client receives a personalized educational document, written to give clear details about their debt consolidation and to help them understand each step of the road they have travelled.
Frequently asked questions.
What costs come with a refinance?
A refinance can bring certain costs: a penalty tied to 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. Those costs are usually rolled into the new loan, so nothing comes out of your pocket right away. And if your file is not approved, nothing is billed. With our assessment, you can put the numbers down and see clearly whether this move is worthwhile for your situation.
Are you a bankruptcy trustee?
No. One of our main missions is actually to help our clients avoid bankruptcy and consumer proposals. Our service is built on mortgage refinancing, handled by experienced mortgage brokers.
Who are you?
ZenFi is a mortgage brokerage firm specialized in financial recovery. Through mortgage refinancing, we help our clients lower their monthly payments with a precise recovery plan, built for Financial Zen and lasting stability. All our mortgage brokers are licensed by the Autorité des Marchés Financiers. You can look up their licences on the AMF website.
My bank already turned me down. Can you still help me?
Of course. 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 no solution available to you.
I am in a consumer proposal right now. Can you help me?
Absolutely. Some banks agree to move ahead even while you are in a consumer proposal. They can lend you the money to pay off that proposal along with any other debt you carry. As brokers, we work with several financial institutions to find the best solution for you.
I am self-employed and I declare very little income. Can you help me?
Quite possibly. If your business brings in revenue but you pay yourself a small salary for tax reasons, or no salary at all, some banks have special programs that look at your company revenue rather than at your personal tax returns. We can help you find the option that fits you.
How long does the process take?
Once we have your documents, the file can be signed at the notary in three weeks, though five weeks is the average. A lot depends on how quickly you send us your documents.
Will refinancing hurt my credit?
No, quite the opposite. It improves it. When a score is low, it is often because credit cards and lines of credit are maxed out. Paying them off brings the score back up.
How do you get paid?
Part of our compensation comes from the banking institutions we work with, and another part is paid by our clients. Those fees are only due if the financing is approved. The amount of the new loan is adjusted to cover the closing costs, and we will never ask you to transfer money to us directly.