Hi, how can we help you?

ZenFi is a mortgage brokerage firm specialized in financial recovery. Through mortgage refinancing, we help our clients reduce their monthly payments with a precise recovery plan, designed to bring financial Zen and lasting stability. All our mortgage brokers are licensed by the Autorité des marchés financiers, the AMF, Quebec’s financial regulator. You can look up their licences on the AMF website. AMF registry.

Refinancing for debt consolidation is a financial solution that brings all your debts (credit cards, personal loans, lines of credit, and so on) together on your mortgage. By refinancing your property, you get a new mortgage loan at an interest rate that is generally lower than the rate on your current debts, which lowers your monthly payments. This approach also makes your finances simpler to manage by bringing all your debts into one (your mortgage), and it helps you regain better financial stability.

The process starts with an assessment of your eligibility, which you can check by filling out our online questionnaire and booking a free phone consultation with no obligation. During that 15-minute prequalification call, we review your financial situation to determine whether our service fits your needs and whether your file has a chance of being approved. If it does, our mortgage brokers carry out an in-depth analysis of your file and build a personalized financing solution, aimed at lowering your monthly payments and improving your financial situation. We then structure your loan application and submit it to our banking partners. Within a few weeks, you receive the funds needed to pay off your debts, which gives you room to breathe again financially.

Once we have your documents, we can have the file notarized in three weeks, though the average is five weeks. A lot depends on how quickly you send us your documents.

No. In fact, one of our main missions is to help our clients avoid bankruptcy or consumer proposals. Our service is built on mortgage refinancing, with experienced mortgage brokers.

We work only with trusted financial institutions, such as chartered banks, meaning A banks and B banks, along with private lenders in very specific cases. A banks are major, well-known institutions that offer competitive products and rates, often with strict credit criteria. B banks are also well-established institutions, but they can offer more flexibility in their approval requirements. These partnerships let us put forward tailored solutions, suited to each situation, while keeping our services reliable and secure.