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Sylvia Poissant, Campbellford mortgage agent
Refinance + debt consolidation · Campbellford & area

Because you deserve more than just a rate.

Turn your home equity into one lower payment.

If high-interest debt is stacking up, your home may be the tool that fixes it. Sylvia helps homeowners across the Campbellford area fold credit cards and loans into their mortgage, free up monthly cash flow, and access equity for the things that matter.

★★★★★ 5.0 on Google · 26 reviews 60+ lenders Mortgage Agent Level 2
Serving Campbellford, Cobourg, Port Hope, Trenton, Belleville, Peterborough, Brighton, and the surrounding towns.
Compare more than 60 lenders Local, Campbellford based Mortgage Agent Level 2 A free review, no obligation
Sylvia Poissant
★★★★★
“She was very efficient and she did everything she could to find the best option for us and she successfully did. We recommend her without any hesitation...”

Sonia N. · Verbatim Google review · Rated 5.0 from 26 reviews

Why refinance

One payment, not five.

Refinancing replaces several high-interest balances with a single payment at a mortgage rate, and it can free up real room in your monthly budget. Sylvia runs the numbers first, so it only happens when it genuinely puts you ahead.

01

Fold in high-interest debt

Roll credit cards, lines of credit and loans into your mortgage so you carry one payment instead of several higher-rate ones.

02

Free up monthly cash flow

Lowering your total monthly outlay can ease the pressure and leave more room for the month ahead.

03

Access equity for goals

Use the value in your home for renovations, education, or a plan that has been waiting on the sidelines.

How Sylvia can help

More than one kind of mortgage.

Renewals and switches

Review your offer and move lenders when it saves you money.

First home purchase

Get pre-approved and understand what you can comfortably carry.

Refinance and debt consolidation

Use your equity to fold higher-interest debt into one lower payment.

Home equity and HELOCs

Access the value in your home for renovations or big plans.

Rental and investment properties

Financing built for a second property or a growing portfolio.

New to Canada and rebuilding credit

Options for thin or bruised credit, and reverse mortgages for 55 plus.

Mortgages by Sil office in Campbellford
Meet your advisor

A local advisor, not a call centre.

Sylvia Poissant is a Mortgage Agent, Level 2 with Mortgage Alliance, working out of 6 Queen St. in Campbellford. With access to more than 60 lenders, she finds the fit that suits your situation instead of the one product a single bank happens to sell. You can meet in person, by phone, or after hours.

Cities served: Serving Campbellford, Cobourg, Port Hope, Trenton, Belleville, Peterborough, Brighton, and the surrounding towns.

See what a refinance saves me
What clients say

Refinance clients, in their own words.

★★★★★ 5.0 average from 26 Google reviews.

★★★★★
Very helpful with obtaining information for a bridge mortgage for us. Very assertive and forthcoming.
Harmonie H. · Google review
★★★★★
5-Star service from Sylvia! Transparent, professional and reliable, she was always readily available for any questions and there to guide along the process of shopping for a mortgage. Would recommend!
Luc A. · Google review
★★★★★
Your patience and care throughout this transaction were truly commendable. I appreciate all your hard work in bringing this deal to a successful conclusion.
Natalia G. · Google review

Frequently asked questions

How does consolidating debt through my mortgage work?
Sylvia refinances your mortgage to pay off higher-interest balances such as credit cards, lines of credit and car loans, so you carry one payment at a mortgage rate instead of several at much higher rates.
Will breaking my current mortgage cost a penalty?
It might, and that is exactly what Sylvia checks first. She calculates whether the monthly savings outweigh any penalty before you commit, so a refinance only happens when the math works for you.
How much of my home equity can I access?
On a refinance you can typically borrow up to 80 percent of your home value, minus what you still owe. Sylvia confirms the exact number for your home and lender.
Is it worth it if my rate would go up?
Sometimes, if replacing several high-interest debts with one mortgage-rate payment lowers your total monthly outlay. Sylvia runs both scenarios so you can see the real difference before deciding.
Refinance + debt consolidation · Campbellford & area

Reserve your spot, then pick a time

Leave your details and we will hold your spot, then you go straight to Mortgages by Sil's booking page to choose the time that suits you.

  • Rated 5.0 on Google from 26 client reviews
  • Debt consolidation into one lower payment
  • Access to more than 60 lenders
  • Sylvia checks the penalty math before you commit

Prefer to talk? Call 343-451-6508.

Hold my spot

Leaving your details holds the spot. You then choose a time on Mortgages by Sil's online booking page, with no payment needed now.