Our Lenders
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Consolidate Your Debt Fast with Mortgage Forces
Get help from Doyle and the team to refinance and clear high-interest debts.
Debt Consolidation
Streamline your finances by rolling multiple high-interest debts into one manageable mortgage-backed payment.
Combine credit cards, lines of credit, payday loans, and tax debt into one payment
Use home equity to reduce interest rates and simplify finances
Work with a licensed mortgage professional and a trusted debt advisor
- ✔ Lower interest rates compared to unsecured debt
- ✔ One predictable monthly payment to reduce stress
- ✔ Rebuild credit by eliminating high balances
- ✔ Support from Doyle Salewski for long-term debt strategy
Refinancing for Home Renovations
Access your home equity to fund upgrades or repairs — without turning to high-interest loans or credit cards
Unlock equity to improve or modernize your home
Fund repairs, updates, or energy-efficient upgrades
Improve property value and livability
- ✔ Affordable financing through lower mortgage rates
- ✔ Increase home value while meeting lifestyle needs
- ✔ Increase home value while meeting lifestyle needs
Refinancing to Lower Monthly Payments
Restructure your mortgage to free up cash flow and improve financial flexibility.
Refinance at a lower rate or extend amortization to reduce payments
Consolidate other debts to streamline your budget
Reduce monthly obligations while staying in your home
- ✔ Immediate cash flow relief
- ✔ Avoid default or missed payments
- ✔ Avoid default or missed payments
Mortgage Forces: President's Message
As President of Mortgage Forces, I’m proud of our partnership with Doyle Salewski Inc..
Together we combine expert mortgage structuring with trusted debt-relief and budgeting advice, giving Canadians clear options, faster triage, and sustainable outcomes.
The result: not just a loan, but a plan.
Danny (Joseph) Saikaley
(President at Mortgage Forces)
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Great service. Amazing staff.
Frank Ienzi
May 27, 2025Melissa Forbes was pleasant to work with. She assisted us through our mortgage process and was always available to answer... read more the questions we had. She explained all details in a way that was understandable and followed up on all our questions and concerns. Greg and Tricia.
Greg Phillips
May 13, 2025 -
Me and my wife can't thank enough Vanessa Enache from Mortgageforces. She is an amazing agent helping us buying our... read more first house from the beginning until we bought our new house. She is very patience in keep us updated all the time. She is the best agent we have and she is one of a kind agent and best of the best.
Joselito
May 13, 2025Our experience with Vanessa was amazing she answered all of our questions and was as fast as she could be... read more with response . Highly recommend going with them ! Ask for Vanessa you won’t be disappointed .
Samantha Leger
May 1, 2025 -
We were very happy with the service we received from Melissa Forbes. She guided us through the Mortgage process and... read more was always helpful when answering our questions and concerns. Definately a GREAT service and team. Lesley & Ellen
Lesley
March 5, 2025We were very happy with the service we received from Melissa Forbes. She guided us through the Mortgage process and... read more was always helpful when answering our questions and concerns. Definately a GREAT service and team. Lesley & Ellen
March 4, 2025 -
I can’t recommend Melissa highly enough! I had a complicated refinance with multiple layers of complexity, and she handled it... read more all with incredible patience and professionalism. I can be quite indecisive, but Melissa never made me feel rushed or pressured. She took the time to walk me through every step of the process, answer all my questions, and make sure I was comfortable with each decision. What really stood out was how hard she worked to get me the best possible rate—she truly went above and beyond. Melissa is not only knowledgeable and detail-oriented but also kind, approachable, and genuinely invested in her clients’ success. If you’re looking for a mortgage agent who will make the process seamless and stress-free, Melissa is the one to call! Thank you, Melissa, for your dedication and expertise—you’ve earned a lifelong client!
Kaitlin Kendall
February 2, 2025Melissa was a pleasure to work with. She was efficient and thoroughly explained everything in terms I understood. I will... read more recommend her to all my family and friends. Thank you.
Samantha Roman [Staff]
January 26, 2025 -
I can’t recommend Melissa highly enough! I had a complicated refinance with multiple layers of complexity, and she handled it... read more all with incredible patience and professionalism. I can be quite indecisive, but Melissa never made me feel rushed or pressured. She took the time to walk me through every step of the process, answer all my questions, and make sure I was comfortable with each decision. What really stood out was how hard she worked to get me the best possible rate—she truly went above and beyond. Melissa is not only knowledgeable and detail-oriented but also kind, approachable, and genuinely invested in her clients’ success. If you’re looking for a mortgage agent who will make the process seamless and stress-free, Melissa is the one to call! Thank you, Melissa, for your dedication and expertise—you’ve earned a lifelong client!
January 26, 2025Michel consistently offers unprecedented customer service from start to finish! I am a multiple time repeat customer with Michel, and... read more always recommend him for mortgages or renewals. His expertise, attention to detail and friendliness was unmatched. Every time I deal with him, I couldn't be happier with the service received. If you're looking for a mortgage broker who is knowledgeable, trustworthy, and genuinely cares about their clients, look no further than Michel Picotte!
Maxime Imbert
January 2, 2025 -
Danny is an exceptional mortgage broker who truly stands out for his professionalism. He demonstrates an in-depth understanding of the... read more mortgage industry and will take the time to guide you through every step of the process. His communication skills are top-notch, always keeping you informed and making sure you feel comfortable with each decision. He is reliable, knowledgeable, and always puts your best interests first. I highly recommend Danny to anyone looking for a mortgage broker who truly cares and excels in his field!
Liam Swords
December 20, 2024Melissa was excellent. Helped us through a particularly difficult refinance situation. I highly recommend her and their process.
KMoore
December 20, 2024 -
Michel consistently offers unprecedented customer service from start to finish! I am a multiple time repeat customer with Michel, and... read more always recommend him for mortgages or renewals. His expertise, attention to detail and friendliness was unmatched. Every time I deal with him, I couldn't be happier with the service received. If you're looking for a mortgage broker who is knowledgeable, trustworthy, and genuinely cares about their clients, look no further than Michel Picotte!
December 20, 2024Danny and his team at Mortgage Forces deliver exceptional service with professionalism and care—highly recommend!
Sarjun Gharib
December 6, 2024 -
Melissa was my mortgage broker there. It was the worst experience I ever had for mortgage renewal. She was asking... read more paperwork that I never had to produce before. She made Soo many errors that even after the financing they were asking me paperwork that I had previously provided Melissa and she didn't forwarded them the documents. On top of requesting documents that made no sense. She didn't fight for us telling the company to forget about those stupid docs... Brief she didn't know her job. If they would have given me the contacts for the financing I would have resolved things 20days faster. But no I was stressed until the financing Day of my mortgage and even after. They are only good to get a proper deal (and not amazing btw) and then the service stop. I don't think I'll deal with them again. Do not recommend them
Benoit Hamel
December 2, 2024Very reliable, responsive and helpful agents. Had the smoothest experience with them.
Fr. Nektarios Najjar
November 14, 2024 -
Melissa Forbes, fantastic mortgage specialist.
Alex Desruisseaux
November 5, 2024Vanessa at Forces Mortgages, was kindess most diligent broker I've ever dealt with, she responded instantly to my concerns, which... read more seems like she was working for me 24 hours a day Buying a house in today's market is the most daunting evolution I've ever been through and this was not my first home. She kept me focused with kind professionalism. Gracias Vanessa for my new home ! You know your part ship well⚓
Gabrielle Sullivan
November 2, 2024 -
Vanessa at Forces Mortgages, was kindess most diligent broker I've ever dealt with, she responded instantly to my concerns, which... read more seems like she was working for me 24 hours a day Buying a house in today's market is the most daunting evolution I've ever been through and this was not my first home. She kept me focused with kind professionalism. Gracias Vanessa for my new home ! You know your part ship well⚓
October 29, 2024We just renewed our mortgage with Melissa F - mortgageforces.ca. While it is always stressful to renew a mortgage, Melissa... read more was always there too, guide us in the right direction. Very responsive and thorough helping us understand the process and reducing our stress at each step. Thanks Melissa!
Lewis Cutler
October 29, 2024
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Debt Consolidation – FAQs
What is mortgage-based debt consolidation?
It's a way to use the equity in your home to pay off high-interest debts like credit cards, payday loans, or tax arrears—converting them into one lower-interest mortgage payment.
How does working with Doyle Salewski enhance this service?
Doyle Salewski brings expert debt relief planning, ensuring your consolidation plan is part of a bigger financial strategy—including budgeting, credit rebuilding, and long-term debt freedom.
Will this affect my credit score?
Initially, there may be a small dip, but paying off revolving debts often improves your credit score over time. Doyle Salewski can also guide you through rebuilding your credit.
What kinds of debts can be consolidated?
Most unsecured debts — credit cards, personal loans, CRA balances, and payday loans — can be consolidated into a mortgage-based solution if there is enough home equity.
What if I already have a good mortgage rate?
If refinancing isn’t ideal, we may explore a second mortgage or home equity loan to access funds without changing your current mortgage.
Are there upfront fees?
Costs such as legal, appraisal, and broker fees may apply, but they can often be included in the new mortgage amount to minimize out-of-pocket expenses.
Can I consolidate debt if my credit is poor?
Yes. Equity and income matter more than credit score in many cases. We work with both traditional and alternative lenders, and Doyle Salewski provides financial guidance along the way.
How long does the process take?
It can take anywhere from a few days to a few weeks, depending on complexity. We’ll coordinate closely with Doyle Salewski to streamline the process and reduce delays.
