{"pageProps":{"post":[{"_id":"5fda525b4ea70a4109d1ef24","published_at":"2020-12-17T03:10:53.330Z","content":"Like most of us, you probably have a car payment, some credit cards, retails cards, and maybe some personal loans. The month to month cost of all these debts combined can make it very difficult to get ahead, as all you end up doing is paying the interest or “minimum balances” of the loans.\n\nCombining all of your debts and adding them onto your mortgage, also known as refinancing, has several advantages.\n\nFor one, the interest rate and amount of interest you pay is lower overall. Interest paid on credit cards can range from 10% to as high as 29% interest! This rate is compounded monthly as opposed to the semi-annual compounding period you get with a mortgage.\n\nPerhaps the biggest advantage though is the monthly payment. By adding your debts to you mortgage, you can capitalize on a very low monthly payment. This can often give you the breathing room needed to put a plan in action and really start paying off your debt.\n\nBy consolidating your debts you can save thousands each year in interest alone. You will keep your credit rating in good shape by not missing any payments and eliminate late fees and penalties.\n\nWith interest rates still near an all time low, contact us today for your debt-consolidation strategy.","slug":"debt-consolidation","pagetitle":"Debt Consolidation","postCards":[],"createdAt":"2020-12-16T18:30:51.055Z","updatedAt":"2020-12-17T03:10:54.273Z","__v":0,"id":"5fda525b4ea70a4109d1ef24"}],"user":{"firstname":"Krista","lastname":"Pike","email":"krista.pike@indimortgage.ca","phone":"4034731433","address":"223 14th Street NW","suiteUnit":"","city":"Calgary ","province":"Alberta","postalCode":"T2N1Z6","bio":"Your mortgage should speak to your individual situation, needs, and financial goals. Our goal is to provide you with options. 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