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1-844-ASK-ACCESS / 1-844-275-2223

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Consolidation Loan Cambridge – Access Mortgage

A consolidation loan in Cambridge from Access Mortgage is a beneficial strategy for debt relief. If you are being advised in the direction of claiming bankruptcy, debt counselling, or consumer proposal, as a form of debt relief, Access Mortgage is here to tell you, DO NOT DO IT! These strategies will be able to help you get out of debt, but they will also damage your credit for many years into the future. There may be better options for you that will not damage your credit. Access Mortgage can assist you with getting a consolidation loan in Cambridge or help you refinance your existing mortgage. Read on to get more information about a consolidation loan for debt relief at Access Mortgage.

Click here to schedule a five minute call with one of our brokers to get Access advice on how we can help you get on the path of debt relief!  

What is a consolidation loan?

Debt consolidation is where someone obtains a new loan to pay out a number of smaller loans, debts, or bills that they are currently making payments on. In doing this they effectively bring all these debts together into one combined loan with one monthly payment. Since this is bringing multiple debts together and combining them into one loan, this is referred to as “consolidating” them. That’s why it’s called a debt consolidation loan.

How is my interest rate determined with a consolidation loan?

Interest rates for debt consolidation loans are primarily determined by three factors: your credit score and report, your income, and the equity in your property. Your credit score reflects your ability and/or willingness to repay your loans and debts; your balances relative to the limits of your loans or debts; and your credit utilization (ie. How high your balances are relative tot heir limits). If you repay a debt, but you are late on a number of payments, then you technically didn’t repay it as agreed in your contract with the lender and this will significantly impact your credit score. The better your score, the more confident a lender can be that you’ll repay a new debt without any problems.

A consolidation loan in Cambridge is a great tool that can give you the ability to quickly and easily reduce your existing debt. If you have found yourself facing financial hardship and you are considering filing for bankruptcy, consumer proposal, or debt counselling these options will severely cripple your credit score for years, Access Mortgage wants you to contact us FIRST! We represent over 400 lenders who specialize in subprime lending, and we can get you a consolidation loan that has an interest rate that suits your individual situation and will actually improve your credit score.


For more information about a consolidation loan from Access Mortgage, please feel free to continue browsing through our website. We can be reached at 1-844-397-3780 or by filling out our contact form.  

WHAT PEOPLE ARE SAYING…

  • “Rent-to-own made possible”
    We would like to thank Matthew and his team. We put a lot of money down on a Rent to Own property that we were renting, but we could not get anyone to help us out till we found Mathew. He made it happen and closed on time when know no one else could. From all of us here THANK YOU! We now own our own house!

    C.T., HAMILTON, ON
  • “Best Mortgage Team I've worked with”
    Matthew and his team are the best mortgage team I have ever worked with. They are extremely hard working and bend over backwards to get the job done no matter how complicated or difficult. If there is a way – they will find it. And it will be in YOUR favor. Matthew goes out of his way to set you on a path of success. This is our second mortgage process we have gone through with Matthew, and we are in a better position now than we were the 1st time – all due to Matthews efforts and guidance. After following his recommendations and guidance over the next year we will use Matthew again for our next mortgage and be in an even better position then. If you need a mortgage done, no matter how complicated, call Matthew. He’ll make it happen.

    M.Z. BRANTFORD, ON
  • “No hesitation recommending”
    Matthew’s knowledge, experience and above and beyond work ethic sets an exemplary standard of professionalism and accountability. His integrity and drive is second to none… He truly is a miracle worker!! I have no hesitation in recommending his services to anyone seeking expert assistance. I’m beyond grateful and blessed!!

    M.D., BINBROOK, ON
  • “A tough deal that others could not do!”
    Access mortgage did a great job in getting us a mortgage. It was a tough deal and they were able to get it done when others couldn’t. I would not hesitate to use them again.

    BEA - CAMBRIDGE, ON
  • “Seamless from beginning to end!”
    I just want to say 'thank you' to all of you, especially Matthew. The financial stress started affecting my health and my life. I could not sleep or focus at work. Now it has given me control on my life by connecting me to a great lender. I have gone from being full of stress to being stress-free.

    JULIE - HAMILTON, ON
  • “From full of stress to stress-free”
    I just want to say ‘thank you’ to all of you, especially Matthew. The financial stress started affecting my health and my life. I could not sleep or focus at work. Now Access Mortgage has given me control on my life by connecting me to a great lender. I have gone from being full of stress to being stress-free.

    M.D., MISSISSAUGA, ON
  • “Patient with deep understanding”
    Thank you for all the help that you gave me, most patiently and with deep understanding. I was very comfortable asking you everything and anything. Your team did great job in making me understand the financial side. I have learnt a lot. Thanks to Matthew for taking time to come to my place. He not only did his work, but for a short time, took me back to most nostalgic memories of my life, before I came to Canada. I am also grateful to the lawyer for coming to my place to meet with me, and quickly closing the mortgage and releasing the funds.

    S.S., MISSISSAUGA, ON
  • “Got creditors off our back”
    I can’t say enough how great your company has been. Matthew, thank you so much for making all of this process so easy for us. Our bank would not help us and you were amazing. Your company kept us informed every step of the way, and not once were we made to feel inferior like our bank did. The lawyers you set us up with were also awesome. I will highly recommend your company to anyone looking for mortgages. Thank you so much for getting creditors off our back and setting us on the right track. You guys are all amazing. I’m also so impressed that you came to us do to everything.

    K.K.P., HAMILTON, ON
  • “Best mortgage team I’ve worked with!”
    Matthew and his team are the best mortgage team I have ever worked with. They are extremely hard working and bend over backwards to get the job done no matter how complicated or difficult. If there is a way – they will find it. And it will be in your favour. Matthew goes out of his way to set you on a path of success. This is our second mortgage process we have gone through with Matthew, and we are in a better position now than we were the 1st time – all due to Matthews efforts and guidance. After following his recommendations and guidance over the next year we will use Matthew again for our next mortgage and be in an even better position then. If you need a mortgage done, no matter how complicated, call Matthew. He’ll make it happen.

    C.H. - ST. CATHARINES, ON
  • “Extremely Fast!”
    Access Mortgage was extremely fast and explained everything well. We were very happy with their professional service and honesty. I would definitely refer them.

    LISA - BRANTFORD, ON
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