What Would You Do With an Extra $400/month?

Date Posted: October 1, 2025

 

 

 

 

Seriously — take a second and think about it.

Would you put it toward travel? Pay down debt faster? Save for your child’s education? Or maybe just breathe a little easier each month?

For many Canadians, the answer to freeing up $400/month is sitting right in front of them: their mortgage.

At Mortgage Brokers Ottawa, we specialize in helping homeowners restructure their mortgages to improve monthly cash flow — and in some cases, the savings are substantial.

 

 

🔄 Restructuring Your Mortgage Isn’t Just About Rate

Yes, rates matter. But what really impacts your monthly budget is how your mortgage is structured — things like amortization length, interest type (fixed or variable), and whether you're carrying other debt at high interest rates.

 

 

💸 The Debt Consolidation Advantage

Many homeowners are juggling:

• Credit card balances

• Personal loans

• Car loans

• Lines of credit

If you’re paying 18–24% interest on that debt, consolidating it into your mortgage (where rates are much lower) could save you hundreds every month.

We recently helped a client roll $35,000 of debt into their mortgage and drop their monthly payments by over $600 — all while simplifying their finances into one easy payment.

 

 

🧠 What’s the Catch?

There isn’t one — if it’s done strategically.

That’s where we come in. At Mortgage Brokers Ottawa, we review your full financial picture and show you what’s possible. We’ll never recommend a move that doesn’t make sense for your goals or long-term plan.

We work with dozens of lenders — so whether it’s refinancing, switching lenders, or reworking your amortization, we’ll find the solution that fits you.

 

 

💬 Let’s See What’s Possible

Your mortgage shouldn’t be a monthly burden — it should be a tool to help you get ahead.

📍Book a free consultation with Mortgage Brokers Ottawa and let us help you explore ways to improve your cash flow and reduce financial stress.

Because an extra $400 a month? That could change everything.