Mortgage & Wealth Strategies
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Beyond The Rate
As expert mortgage brokers, we know building wealth through homeownership and achieving financial freedom is about more than just chasing the lowest rate—it’s about strategy.
We're taking you behind the scenes and giving you the insider tools and powerful strategies to get ahead. If you’re a first-time homebuyer, you’ll find everything you need to secure your first property and start building wealth from day one.
If you’re an existing homeowner, this is where you take control. Maximize the wealth-building potential of your current home with proven strategies for refinancing, leveraging equity, and optimizing your mortgage for bigger opportunities.
Your mortgage is more than a loan—it’s a gateway to long-term financial success.
Our goal is simple: to equip you with the knowledge and tools to make smart, strategic decisions that will transform your financial future.
Let’s get started.
Breaking Free from Debt: How a Strategic Refinance Created $1,350 in Monthly Savings
March 20, 2025 | Posted by: Matt Broom-Hall
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Debt can feel like a never-ending cycle—one that sneaks up on you over time until the monthly payments start to feel overwhelming. This was the reality for one of my recent clients. Like many Canadians, they found themselves dealing with high-interest debt that had accumulated over the years, especially after the financial strain of COVID. Despite making regular payments, they felt stuck, with no real path to financial relief.
The Challenge: High Credit Utilization & Limited Refinancing Options
When my clients first reached out, they were feeling the weight of their financial situation. Their credit scores had taken a hit due to high credit utilization, which meant they didn’t qualify for a typical refinance with traditional lenders. They needed a solution—one that would consolidate their debts into a manageable monthly payment while setting them up for long-term success.
This is where working with a mortgage broker who has access to 50+ lenders makes all the difference. While big banks might have turned them away, I was able to structure a custom refinance strategy tailored to their specific financial situation.
The Solution: A Tailored Refinance Strategy
Through strategic lender selection and mortgage restructuring, we were able to:
✔️ Roll their high-interest debt into their new mortgage
✔️ Lower their total monthly payments by $1,350
✔️ Reduce financial stress and improve their cash flow
✔️ Lock in a 2-year term to improve their credit score
✔️ Position them for a future move to a prime lender with even better rates
By restructuring their debt, their mortgage payment is actually lower now than it was before the refinance, even with the additional debts included. This shift didn’t just free up cash—it gave them breathing room and the ability to start moving forward financially instead of just staying afloat.
The Experience: A Smooth, Stress-Free Process
Here’s what my clients had to say about their refinancing experience:
“Matt is a phenomenal mortgage broker and I cannot imagine working with anyone else. We just closed on refinancing and Matt made the stress of this process feel like a breeze. He is genuinely kind, positive, and doesn’t make you feel embarrassed for not knowing the ins and outs of mortgages and financing. Talking about your finances and debt is really vulnerable and Matt eased our worries instantly. He found several lenders with great rates and he broke down our options in a way that was easy to navigate...”
Having open and judgment-free conversations about finances is key to finding solutions. I believe that no one should feel ashamed about their financial situation—what matters is taking the next step toward a better one.
What’s Next: Graduating to a Prime Lender
One of the most powerful aspects of this refinance strategy is that it isn’t just a short-term fix—it’s a stepping stone toward long-term financial stability. By locking in a 2-year term, my clients now have time to rebuild their credit through lower utilization and positive repayment history. When their term is up, they’ll be in a strong position to move to a prime lender with even lower rates and more savings.
Could This Be You?
If you’re carrying high-interest debt and feeling trapped by payments, there are options. A refinance strategy like this can help you:
• Consolidate your debts into a single, lower payment
• Free up cash flow to reduce financial stress
• Improve your credit score over time
• Set yourself up for better rates and financial flexibility in the future
Let’s chat about how a refinance could work for you. Contact me or book a free consultation. A fresh financial start might be closer than you think!
Hello Mortgage offers expert mortgage broker services in Alberta—including Calgary Mortgage Broker, Edmonton Mortgage Broker, Red Deer Mortgage Broker, Lethbridge Mortgages, Airdrie Mortgage Services, Sherwood Park Mortgage Broker, Fort McMurray Mortgages, Grande Prairie Mortgage Broker, St. Albert Mortgages, Medicine Hat Mortgage Experts, Spruce Grove Mortgages, Cochrane Mortgage Broker, Leduc Mortgage Services, Okotoks Mortgage Broker, Fort Saskatchewan Mortgages, Beaumont Mortgage Broker, Stony Plain Mortgages, Lloydminster Mortgage Broker, Chestermere Mortgages, Camrose Mortgage Broker and surrounding communities.