Debt Consolidation Services

Sometimes for whatever reason debt starts to accumulate, pile up and get out of control. The important thing to realize is there are solutions to help you get back in control of your finances. Debt consolidation services can help you reduce stress and bring your back life on track.

Refinancing your mortgage in order to consolidate debt is a pretty common and in most cases a smart thing to do. High interest credit card debts, lines of credit and auto loans can snowball out of control and get very difficult to stay on top of and pay off. Debt consolidation allows you to combine your debts into one lower monthly payment and saves you the headache of having to worry about keeping up with multiple loans every month and in the majority of cases save you money on interest.

Advantages of Debt Consolidation

Consolidate high interest rate credit cards to one lower rate.

Save money and increase cash flow.

Reduce stress knowing that your financial situation is now manageable.

If making payments on your debts every month is difficult, debt consolidation may be the right choice for you.

CTMS  provides debt consolidation services in Pickering, Ajax, Whitby and other neighboring areas in the GTA.

Still have questions? Call at (905) 509-8164 or send a message to discuss all your options.

Why Debt Consolidation

Due to the historically low interest rates, secured debt consolidation is in demand. Even if you have been turned away from your financial institution despite having equity in your home,  you can contact us and as an experienced mortgage broker , we can consolidate your high interest debt and get you in touch with lenders who will look at the equity in your house and offer competitive rates to get your business.

Benefits of Debt Consolidation

– Pay down debt faster and save on interest
– Make one monthly payment towards your debt
– Reduce stress
– Improve cash flow and ease money management
– Save time

What Makes Us Experts at Debt Consolidation?

As experienced mortgage brokers/agents, we have alliances and partnerships with major lenders and can get you competitive rates with the most flexible terms.

Are you considering consolidating your debts? Contact us at (905) 509-8164 or email us to discuss all your options.

We Work for Our Clients and for Their Best Interest!


  • “Hi Felicia and Steve.
    Thank you so much for walking me through a process that I was not sure about.  You were extremely patient with me and I truly appreciated that the most.
    I was wondering if you could send me a few cards.  I have told two people that were talking about Reverse Mortgages and I only have the one card that Steve gave me.
    I wish you all well and again, thank you for making it so easy for me.
    With much respect always,


    — Judi
  • After speaking with several Brokers, my wife and I found that Steve Bryan at Mortgage Alliance was the right broker to handle our mortgage situation. He was highly professional, proactive, knowledgeable and patient. Steve and his associates followed up regularly, and took the time to explain all the pros and cons, this allowed us to make the best decision for our family. They work swift and accurate, wrapping up all of our matters within a couple of weeks. We would definitely contact Steve Bryan for any future mortgage concerns and recommend anyone looking for mortgage services to his brokerage.

    — Peabo & Sabrina S.
  • Referring u to friends/family is easy. I am picky and you addressed all my questions/concerns in a timely and professional manner. You were also extremely knowledgeable and provided me with some key information that assisted me in getting a property that meets all my needs by telling me about the home improvement loan from the bank.

    — Sophia
  • ” I have known Steve Bryan for the past three years …

    At our meeting I told him I was looking for a second mortgage on my home, he explained the steps involved in the process with great clarity he was very articulate, professional and effective. Steve was able to secure the mortgage with B2B bank at a reasonable interest rate and to my satisfaction.

    What I appreciated most was Steve’s dedication, commitment and driving results, I will recommend him to anyone in the future.”


    — Judith D
  • “If you’re looking for someone that will work for you and have your best interests at heart your search stops here. Steve fights for his clients to the end and never gives up on a deal until he gets it done. Thank you Steve.”

    — Shelley D
  • “We were recommend to Steve by a family friend and he was very professional and took the time out to lets us understand the pros and cons for what we wanted to do. When we decided what we wanted to do he gave us the best option. He’s patient and he makes sure you have all required documents before proceeding. I would recommend him to everyone.”

    — Damian H
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