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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.
Consolidating $40K of credit-card debt into home equity routinely saves $25K-$40K in interest over 5 years — if you follow one rule.
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Refinancing to unlock equity is the most underused wealth tool in Canada — and the most misunderstood. Here's the 2026 playbook.
Ontario HELOCs are the cheapest way to access equity — until they aren't. Here's how to use one without wrecking your monthly cash flow.
BC HELOCs unlock six- and seven-figure equity quickly. The same flexibility creates serious risk without a written exit plan.
Alberta HELOCs reward homeowners who plan the exit before the entry. Without a repayment plan, "flexibility" becomes "permanent debt."
In 2026 the fixed-vs-variable decision is no longer about who "wins the prediction game" — it's about matching the product to your actual life.
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