EDMONTON · DLC MORTGAGE FORCEHome equity. New possibilities.
Dominion Lending Centres Mortgage Force

REFINANCING & DEBT CONSOLIDATION

Your home equity.
A little more
breathing room.

Could your home help simplify your debt? Explore whether refinancing could bring higher-interest balances into one manageable mortgage payment.

Explore my refinance options

No obligation. No credit check from this form.

Personal guidance from Dustin Wozniak
Mortgage Broker · DLC Mortgage Force

Dustin Wozniak, mortgage broker with DLC Mortgage Force
YOUR BROKERDustin WozniakDW Mortgage / DLC Mortgage Force
01

Simplify your payments.

Explore combining eligible credit card, line of credit and other debt balances into your mortgage.

02

Review your cash flow.

See whether a different payment structure could make your monthly budget more manageable.

03

Understand the full picture.

Compare lender options, costs and the repayment timeline with a broker guiding the conversation.

LET’S LOOK AT THE POSSIBILITIES

Less guesswork.
A clearer next step.

Share a few estimates about your home and the debts you’d like to consolidate. Dustin will reach out to discuss whether refinancing could fit your situation.

  • Start with estimates—exact figures can come later.
  • Speak with a broker about your goals.
  • Decide whether to move forward, without pressure.
A lower payment isn’t the whole story.

Refinancing moves debt onto your home and may extend repayment. A lower monthly payment can still mean more total interest. Dustin can help you compare the costs, including any mortgage penalty, appraisal and legal fees. Your home is security for the loan and may be at risk if payments aren’t made.

YOUR REFINANCE INQUIRYAbout 2 minutes

Let’s start with your home.

For homeowners exploring equity and debt consolidation.

1 Your home2 Contact details
Include other loans secured on your home.

No credit check. No obligation to proceed. This is an initial inquiry, not a mortgage application or approval. Please don’t include a SIN, bank details or financial documents.

A CONVERSATION FIRST

From “could I?”
to a plan you understand.

You don’t need to know the mortgage process.
That’s what your broker is here for.

  1. 01 / SHARE

    Tell Dustin your goal.

    Submit the short inquiry with estimates of your home value, mortgage and other debts.

  2. 02 / DISCUSS

    Have a real conversation.

    Dustin will reach out to discuss your goals and potential options, with no obligation to proceed.

  3. 03 / COMPARE

    Look at the whole cost.

    If you proceed, complete the application and review available lender options, payments, fees and conditions.

  4. 04 / COMPLETE

    Put the plan in motion.

    Once approved and closing conditions are met, funds can be used for the debt consolidation you’ve agreed on.

LOCAL ADVICE. LENDER CHOICE.

Meet your broker.
Dustin Wozniak.

One person to help make sense of your mortgage options.

Dustin works with DLC Mortgage Force in Edmonton, bringing his DW Mortgage brand and personal approach to your refinance conversation. A broker helps you explore suitable options across multiple lenders and understand how the terms fit your goals.

Get started online, or connect with our Edmonton office.

DLC Mortgage Force office: 780-466-9898
9241 50 Street NW, Edmonton, AB T6B 3B6

GOOD QUESTIONS. CLEAR ANSWERS.

Before you
get started.

Ask about my options
Can I use home equity to consolidate debt?

It may be possible to refinance and use available equity to pay off other debts. Eligibility depends on your property value, existing secured borrowing, income, credit and lender requirements. Dustin can help you assess whether this is an option for you.

How much equity could I access?

Equity is your home’s value minus what you owe against it. Not all equity is available to borrow. A lender will consider its lending limits, a property valuation and your ability to repay. Start with estimates in the form; Dustin can help with the details.

Does a lower payment mean I’ll save money?

Not necessarily. Repaying over a longer period may lower monthly payments while increasing total interest. Refinancing can also involve a prepayment penalty and appraisal, legal or other fees. Compare the full cost and repayment plan before deciding.

Will submitting this form affect my credit?

No. This inquiry does not run a credit check or authorize one. If you choose to complete an application and a credit check is needed, Dustin will explain it and obtain the appropriate consent.

What happens after I send my inquiry?

Dustin receives the details by email and will reach out using your preferred contact method. You can discuss your goals and ask questions before deciding whether to proceed with a full application. Approval and available terms are subject to lender review.

More about borrowing against home equity from the Financial Consumer Agency of Canada ↗.

MAKE YOUR NEXT STEP A CLEAR ONE

Let’s talk about what’s possible.

Start my refinance inquiry