Goodbye debt, hello Zen.
At ZenFi, we help homeowners in Quebec simplify their financial life by lowering their monthly payments by up to 50%.
Our specialty: mortgage refinancing to bring your balances together and lighten your budget. Have a look at our solutions and see how they fit your situation.
100% freeNo obligation
Better credit
When all your debts are paid off, your credit score goes up.
Financial Zen
Education, planning, and smart debt management set you up for a calmer future.
Several debts, one payment
Your debts brought together into one payment. Simple and easy to manage.
How does it work?
In 4 simple steps
In 4 simple steps
We check your eligibility
Fill out our short questionnaire to check the basics, then book a free phone consultation with no obligation.
We make a pre-qualification call.
This 15-minute call is there to understand your financial situation better. Together we look at whether your file has a chance of being approved and whether our service matches what you need.
We do a full assessment.
Mortgage brokers who specialize in financial recovery take the time you need to build a plan with you. The goal is to lower your monthly payments and give you room to breathe again.
We handle your file. Relax!
We structure the loan application and present it to our banking partners. We do everything we can to get your approval. In a few weeks, you get the funds you need to pay off your debts.
ZenFi Canada Savings Simulator
This simulator lets you estimate the savings you could get by rolling some of your debts into a new mortgage.
Enter your current debts
Enter the balances and payments for each type of debt. Nothing is saved until you book your consultation.
Personal loans
- $0$0$50,000
Car loans
- $0$0$75,000
Total debt
$20,000
Estimates only. This is not a loan offer or a guarantee of savings. Actual rates, payments, and savings may vary. Subject to credit approval. Maximum loan-to-value (LTV) ratio of 80% for a refinance with cash out. Minimum payments assumed for estimation purposes: 5% of the credit card balance and 1% of the line of credit balance. New estimated mortgage payment based on a 30-year amortization. "Potential savings" refers to the estimated reduction in the total of the monthly payments for the debts included in this simulation. Extending amortization periods, as can happen with a refinance with cash out, may result in paying a higher total amount of interest over the life of the new loan compared with keeping your current debts, even if the monthly payments are lower. This simulation does not calculate the total interest paid. Translation of the official French text, which prevails in case of any discrepancy.
Testimonials
Straight from Google. Click and check for yourself.
Straight from Google. Click and check for yourself.
Reviews appear in French, their original language.
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assessment.
The ZenFi program.
We specialize in lowering the monthly payments tied to debt, and we know a refinance on its own is not always enough. What we want is for our clients to reach Zen and to keep it. That is why our refinancing program rests on 5 key pillars.
We specialize in lowering the monthly payments tied to debt, and we know a refinance on its own is not always enough. That is why our program rests on 5 key pillars.
The Refinance
With the expertise of our mortgage brokers, we refinance your home to pay off your debts and lower your monthly payments.
Credit support
When your credit report has taken a hit, it matters to follow the right practices to rebuild it and to correct any errors. With the support of a credit recovery expert, it is possible to rebuild your score for the long term.
Insurance
Mortgage or personal, protecting what you have built is an essential part of financial peace of mind. Our insurance brokers review each file with care so your coverage fits your needs today and later on.
Financial planning
Our clients meet a Financial Security Advisor accredited by the AMF, Quebec's financial regulator. Their role is to go through your budget in detail and design a financial strategy that fits you, so you can hold a steady balance over time.
Educational content
Every client receives a personalized education document, written to give clear details on their debt consolidation process and to help them understand each step of the road already covered.
Mortgage Broker and Responsible Officer
Mortgage Analyst
The ZenFi professionals who listen to your needs.
Behind ZenFi there are professionals who care and who understand the real money pressures of everyday life. Different backgrounds, one shared goal (clear solutions, without stress or jargon), we are here to guide you however complicated your situation is. Human first, we take the time to listen and to find what actually works for you.
Our Mission.
Getting you to financial Zen.
Life throws things at you. A job loss, an illness or a separation can put money under pressure quickly, and getting back on top of it is often hard.
At ZenFi, we are here to help you simplify your finances and lighten the load. Mortgage refinancing, debt consolidation and a personalized program: our full service offer is built to bring back financial Zen and a calm that lasts.
We believe a hard stretch can turn into a real fresh start, with support that is transparent, accessible, and built around you.
Frequently Asked Questions.
What costs come with a refinance?
A refinance can come with certain costs: a penalty on your current mortgage (if it is refinanced before the end of the term), notary fees, in some cases a commitment fee charged by the lender based on your credit score, and our professional fees. The good news is that these costs are usually rolled into the new loan, so you pay nothing out of pocket. And if your file is not approved, you are charged nothing. Our assessment puts the numbers in front of you so you can see clearly whether this makes sense for your situation.
Are you a licensed insolvency trustee?
No. One of our main missions is in fact to help our clients avoid bankruptcy and consumer proposals. Our service is built on mortgage refinancing, with experienced mortgage brokers.
My bank already said no. Can you still help me?
Yes. As mortgage brokers, we work with several financial institutions, and some of them have more flexible criteria than your bank. A no from your bank does not mean there is nothing available for you.