At today low rates you can refinance your home at 3.7% to 4.09%. Most of the credit card companies charge over 15%, so its better to refinance at today`s rate and pay off the credit cards. Make sure you don`t get into debt again as the whole refinance things was a waste. Try to properly manage your funds and cash flow in order to avoid high debts.

With rates as low as 3.74% today for a fixed mortgage or 1.85% for a variable product you must consider consolodation. Credit cards and Lines of Credit rates are much higher and unless you plan on paying them off in 6 months or less the consolodation makes perfect sense. If you would like to discuss further please call us. Abraham Niyazi - Mortgage Agent - Easyrate.ca - 416-993-4082