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In Ontario, the HELOC-vs-equity-loan answer changes based on title structure, lender stack, and how fast you'll repay.
Rolling 19%+ debt into a 5-6% mortgage routinely cuts interest by $20K-$40K over five years. The catch: one behavior change makes or breaks it.
Compare refinancing and second mortgages for accessing home equity in Ontario. Understand costs, benefits, and which option suits your situation.
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