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Line of credit? Mortgage refinance? Experts rank the best and worst options for debt consolidation

The idea behind debt consolidation is simple: You take on a single, big loan to pay off all or most of your other, smaller liabilities. Usually, there are three big reasons to do it. First, focusing ... read more

Pros, Cons of Paying Down a Mortgage to Fund College

And taking a big loan or drawing heavily on a home equity line of credit could lead you to incur more debt than your home is worth, if its value drops. Refinancing to a lower mortgage ... ... read more

Cities with the Best and Worst Credit

If you live in the Midwest, chances are you have good credit. NerdWallet took a look at the average credit scores of metropolitan areas in the U.S. to rank the places with the best and worst credit, ... read more

Will shopping for mortgage rates hurt our credit score?

They are trying to juggle RRSPs, TFSAs, paying down their $350,000 mortgage as well as their $90,000 home equity line of credit ... We also looked at refinancing our mortgage with debt consolidation. ... read more

TD, Canada’s HELOC juggernaut, tightens rules around lines of credit

READ MORE: Line of credit? Mortgage refinance? Experts rank the best and worst options for debt consolidation “Debt service ratios are an important measure of a consumer’s ability to manage their ... read more

What to know before turning to a debt eraser

Q: Will going to a ‘debt eraser’ affect my credit score ... those in debt who think their options are limited. But most financial advisors will advise against going this route because there are so ... read more

7 Debt Payoff Planning Tools and Apps

If you'd rather put your debt ... line of credit and continues to run up a credit card balance. Marketed to financial professionals, LoanBuddy offers a convenient way to analyze student loan debt. ... read more

Refinance home loans guide June 2019

The main purpose of refinancing is usually to get a lower interest rate to save on repayments. But you can also switch to a mortgage with ... she doesn't have much debt to repay on her loan she can ... read more

4 Times You Should Consider a Personal Loan

One of the options available to you is a personal loan. Personal loans can come from banks, credit unions, or online lenders ... you also consolidate that debt. Consolidation simplifies your life as ... read more

Refinance your home to pay for kids’ upcoming university tuition?

If you got a “non-prime” mortgage and your rate is higher than 4.00%, that’s all the more reason to restructure your debt. Find a mortgage advisor poste haste and ask this person to create a refinance ... read more

5 Smart Ways to Use Your Home Equity

Blowing it on a vacation, for example, can leave you in debt and without anything to show for it. For those who are ready to make the most of their home equity, here are five options recommended by ... read more

More Than Refinancing: Why Low Mortgage Rates Matter to Homeowners

It's common sense that low mortgage rates are important to the housing market. They make purchasing a home more affordable and make refinancing more attractive ... open up a source of low-cost credit, ... read more