Creative Refinancing Solutions In Quebec
Stuck with too much debt?
Save Up To 60% Monthly.
At Xperto Hypothèques , we help homeowners combine multiple debts into one simple monthly payment, often reducing what they owe each month by up to 60%. Through Creative lending, we look beyond your credit score and use your home equity to get you real relief, fast
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Estimate your savings
Estimate only. Final savings depend on lender review, approval, rate, and terms.
At Xperto, we help homeowners combine multiple debts into one simple monthly payment, often reducing what they owe each month by up to 60%. Through Creative lending, we look beyond your credit score and use your home equity to get you real relief, fast
You pay every month.
So why does nothing change?
Credit cards, lines of credit, personal loans, and high monthly payments can make it hard to breathe financially. Traditional banks may not always approve your file, but that does not mean you are out of options.
High-Interest Debt
Credit cards and unsecured debts can keep growing even when you are making payments.
Too Many Monthly Payments
Multiple due dates, different rates, and separate balances can make your finances feel hard to manage.
Bank Declined
If your income, credit, or debt ratio does not fit bank rules, refinancing may feel impossible.
Home Equity Not Being Used
Your property may have available equity that could help create a more manageable debt plan.
What we're known for
This is what we do.
And we do it well.
We specialise in one thing - helping homeowners use creative lending to consolidate their debt and reclaim their finances.
Debt Consolidation Refinance
Concrete Financial Solutions Through Mortgage Refinancing
Refinance your home to pay off all your debts at once - one new mortgage payment replaces everything. We look at your equity, not your score.
Credit Score Recovery
Clearing your debts through refinancing starts improving your credit immediately - most clients are back to conventional rates within 18 months.
Your Personal Financial Plan
A real breakdown of your numbers, your new payment, and a clear path forward - never a generic template.
One Specialist. Your Whole Journey.
One dedicated mortgage specialist handles your file from first call to final approval - no transfers, no repeating yourself.
Estimate Your Savings with Xperto Hypothèques Calculator
Use the simulator below to get a simple estimate of your possible monthly savings and total savings. This is not an approval or final offer - it is a starting point to help you understand what may be possible.
Enter your current debts
Add the debts you want to pay off through refinancing. This helps estimate how much monthly pressure could be reduced.
Your current property and mortgage
Now add your property value and mortgage balance. This helps estimate if your home equity may support debt consolidation.
We review your property value and mortgage balance to estimate whether your home equity may support debt consolidation.
Summary of your potential result
This estimate shows how your monthly payments may change if your debts are consolidated through refinancing.
$0 of debt may be reviewed for consolidation into your new mortgage plan.
Want a specialist to review these numbers?
From Debt Pressure To Payment Relief
What Changes When Your Debts Are Put Into One Clearer Plan?
When monthly payments feel too heavy, refinancing for debt consolidation may help reduce the pressure by combining high-interest debts into one more manageable structure.
Before
Too many payments. Too much pressure.
Struggling to keep up with monthly debt payments
Paying credit cards, loans, and lines of credit separately
High-interest debts taking most of your income
Feeling stuck even after making payments every month
Unsure if the bank will approve another option
After
One clearer path with more breathing room.
Debts reviewed together through a refinancing plan
Possible lower monthly payment pressure
High-interest debts may be consolidated into one structure
Your home equity is reviewed as part of the solution
A calmer next step with clear numbers and guidance
Flexible Mortgage Support
Four simple steps to get clarity.
No pressure. No confusing terms. Just a guided review of your situation and possible next move.
See if you qualify - in 2 minutes
Answer a few quick questions about your debts and your home. No credit pull, no paperwork - just enough for us to see if we can genuinely help you.
A real conversation - not a sales call
One of our specialists calls you for a straight 15-minute chat. We look at your full picture together and tell you honestly what's possible - before anything moves forward.
Your personalised debt-free roadmap
We dig into your home equity and map out exactly what debt consolidation looks like for you - a concrete number, a lower monthly payment, and a timeline you can actually see.
We take it from here. Seriously, sit back.
Our team takes your file straight to our lending network and pushes for approval. A few weeks later-your debts are consolidated and one clean payment is all that's left.
About
Guidance Built Around Your Situation.
My name is Serujan Kanesalingam.
I help homeowners explore refinancing options to consolidate high-interest debts, reduce monthly payment pressure, and create one clearer financial plan.
If credit challenges, high debt payments, or traditional bank rules have made things feel difficult, my role is to help you understand what may be possible using your home equity.
My goal is simple: give you clear numbers, honest guidance, and a calmer path forward — without pressure or confusing lending terms.
About
Guidance Built Around Your Situation.
My name is Serujan Kanesalingam.
With over 10 years in mortgage, I understand that carrying too much debt is stressful - and being turned away by a bank makes it worse.
My goal is simple: offer clear, honest guidance and find real solutions, no matter how complex your situation looks on paper.
I take the time to understand your full picture - your debts, your equity, your goals - and find a path forward that actually works for you.
Borrower Stories
For people who needed another path.
"Serujan was always very professional, polite and beyond helpful in all aspects of our project. From dealing with a private lender, to refinancing, he delivered an incredible service. I highly recommend him he was wonderful to deal with!"
- Morgan M
"Without doubt, the BEST alternative mortgage broker in Montreal ! Nothing is too complex or too challenging for Serujan ! Kudos for the tremendous work and excellent outcome ! I strongly recommend !"
"Without doubt, the BEST alternative mortgage broker in Montreal ! Nothing is too complex or too challenging for Serujan ! Kudos for the tremendous work and excellent outcome ! I strongly recommend !"
- ghazi manai
"Serujan was able to find a personalized solution for my loan even though I have been self-employed for less than 2 years, a situation which reduces the possibilities of conventional mortgages."
"Serujan was able to find a personalized solution for my loan even though I have been self-employed for less than 2 years, a situation which reduces the possibilities of conventional mortgages."
-Jean-Noël Guenot
"I have the pleasure of working with Serujan , he is a reliable mortgage broker and his customer service is just WOW. My clients are always impressed when I refer them to him."
"I have the pleasure of working with Serujan , he is a reliable mortgage broker and his customer service is just WOW. My clients are always impressed when I refer them to him."
- Ange Iradukunda
Creative Refinancing Questions, Answered Clearly
1. Can refinancing help me pay off my debts?
Yes. If you have enough home equity, refinancing may allow you to pay off credit cards, lines of credit, loans, and other high-interest debts by
2. Will this lower my monthly payments?
It may. Many homeowners have high monthly debt payments because credit cards and loans often carry higher interest rates. By consolidating those debts through refinancing, your monthly payment may become lower and easier to manage.
3. Do I need perfect credit to qualify?
No. Your credit score matters, but it is not the only thing reviewed. Your home value, available equity, income, current mortgage balance, and total debt situation are also considered.
4. What if the bank already said no?
You may still have options. Traditional banks usually follow strict rules for credit, income, and debt ratios. Creative refinancing solutions and alternative refinancing options may look at your home equity and overall situation more flexibly.
5. Is the consultation free?
Yes. The initial debt consolidation review is free, with no obligation and no credit check to get started. The goal is to help you understand what may be possible before you make any decision.
You May Have
More Options Than You Think.
If debt payments are creating pressure, your home equity may help you explore a more structured path. Start with a free review and understand what may be possible before making your next move.
Free review. No pressure. Clear answers first.
Free review. No pressure. Clear answers first.
Book Your Free Review
Speak with Serujan Kanesalingam and get a clearer understanding of your property equity, possible options, and next step. Our head office, which is not open to the public, is located at:
3899 Autoroute des Laurentides, Suite 203,
Laval, Québec H7L 3H7
