• checkbox logo Reduce debt by up to 80%

Mortgage Debt Help in Canada

Our experienced team understands the challenges of managing mortgage debt – we’re dedicated to finding personalized solutions that put your financial well-being first. No matter how intricate your mortgage situation, we’ll work side-by-side with you to lift the burden of debt and build a brighter financial future, one step at a time.

Get a Free Debt Repayment Plan

Safe, secure & confidential

google logo

Finding your way through mortgage debt

We know that juggling mortgage payments can feel like a heavy weight on your shoulders, affecting both your finances and your peace of mind. It’s normal to worry about missed payments, harassing calls, or even legal action. But you don’t have to face this alone.

For years, we’ve helped people in similar situations find customized solutions to their mortgage burdens. We’re experienced in crafting compassionate support plans that fit your unique situation, putting your well-being at the forefront.

Remember, your financial freedom and emotional security matter to us. Don’t let mortgage debt control your life. Take the first step toward a brighter future, free from debt. Reach out to our friendly team today, and let’s work together to get you back on track.

friends laughing

Get mortgage debt help - it’s a simple process


Every mortgage situation is unique, so we’ll get to know yours inside and out – no judgment, just understanding. Share your concerns, your income, and the details of your debt, including who you owe and how much. Don’t worry – our chats are always kept strictly confidential.


Next, we’ll map out your options. Together, we’ll explore every path to debt relief, focusing on choices you feel comfortable with, at your own pace. Your well-being comes first, so we’ll never pressure you into anything.


Ready to take action? We’ll launch your personalized plan! Your financial freedom is our north star, and we’ll be your rock-solid support team every step of the way.

Shahrad Nakhaie
Shahrad Nakhaie
They are so great, every thing was so easy for me. Unbelievable, All my debt are gone now and I feel like I'm free, thanks Osman Ali for all you did for me, at the first time it's even hard to believe that was real, but it's real and easy. Thank you bro for your help.
Osman is a professional and you cant find anybody better. He really cared about my situation and paid attention to every little detail so he can help me best. Thank you osman and the rest of the team for helping me through my struggles.
Banda Gueye
Banda Gueye
Osman is a vert nice gentlemen, he was polite sweet and gentle. He really cared about my situation and paid attention to every little detail so he can help me best. Thank you Osman and the rest of the team for helping me through my struggles.
Kim Brown
Kim Brown
So far this has been a great company, I have been with them over a year. Every time I have an issue Josh jumps right on it and helps me out. He never makes me feel like I'm being a pain in the butt 🙂 I definitely recommend them, I have referred two of my family members to get help and now Josh is helping them as well. I thank you Josh for all the hard work and responding so quickly to all my messages.⭐️⭐️⭐️⭐️⭐️
Ajanthan Murugananthan
Ajanthan Murugananthan
Staff members Samuel and Josh were both amazing. Both very friendly, professional, and efficient. They took care of my credit card issues and line of credit and made it manageable. I would highly recommend Harris & Partners Inc. They have given me a new life in my financial life to success.
Paul Woo
Paul Woo
Staff members Yasan and Josh were both amazing. Both very friendly, professional, and efficient. They took care of my credit card issues and made it manageable. I would highly recommend Harris & Partners Inc.

The six warning signs of mortgage debt

If you’re worried that you or a loved one is struggling with mortgage bills and repayment, there are a few key things you can look out for:

woman staring

Sign 1. Extra lines of credit

Relying on credit cards, loans, or overdrafts to cover regular expenses can indicate deeper financial concerns.

Take control today
woman with backpack

Sign 2. Avoidance

Avoiding conversations about mortgages or finances? This common coping mechanism might mask underlying struggles.

Get started
elderly men playing chess

Sign 3. Missing payments

As the stress of mortgage debt grows over time, it’s easy to prioritize other payments, miss payments or even avoid them to help you pay other bills.

Speak with the team
man walking up steps

Sign 4. Mental health

Struggling with anxiety, stress, or feeling overwhelmed? Mortgage debt can take a toll on your mental well-being.

Get debt help
four people hugging

Sign 5. A change in relationships

Shame and stress can strain relationships. Don’t let debt push loved ones away – reach out for support instead.

Help me take control
Medical Debt Dominoe Effect

Sign 6. A domino effect

A sudden income change, illness, or other event can trigger a cascade of debt issues. Don’t wait for them to snowball.

Call for help

Mortgage Debt Relief - Your Options

woman whispering to a child
Support across Canada

Why Harris & Partners

chart icon
Remove up to 80% of your debt

Our Licensed Insolvency Trustees provide a customized service that could remove up to 80% of your debt and stress, so you can breathe easier.

people circle outline
We speak your language

Our multilingual team provides support in many languages, from Farsi and Portuguese to Italian and Tamil, leaving out complicated jargon, so you understand everything, every step of the way.

location logo
Debt support across nine provinces

Want to speak to someone in person? Our team is on hand to help at a Harris & Partners office near you.

Our Licensed Insolvency Trustees are here to help you tackle mortgage debt

Our Licensed Insolvency Trustees (LITs) aren’t just debt professionals, they’re your allies in reclaiming financial peace. Forget navigating complex mortgage solutions alone – our LITs will partner with you, crafting personalized plans and providing unwavering support every step of the way.

  • Jay harris
    Jay T. Harris
    Licensed Insolvency Trustee
  • kyle
    Kyle Harris
    LL.B., CIRP, LIT
    Licensed Insolvency Trustee
  • adam
    Adam Fisher
    Licensed Insolvency Trustee
  • Joshua Harris
    Joshua Harris
    Licensed Insolvency Trustee
  • advisor
    David Adams
    Licensed Insolvency Trustee
  • doug
    Doug Loiselle
    Licensed Insolvency Trustee
  • Rob McLernon
    Robert McLernon
    BComm, CIRP, LIT
    Licensed Insolvency Trustee
  • shelley
    Shelley Koehli
    Licensed Insolvency Trustee
  • Jill Strueby
    Licensed Insolvency Trustee

Mortgage Debt FAQs

How will mortgage debt affect my credit?

While having a mortgage typically shows responsible borrowing and improves your credit score in the long term, missed payments can significantly damage it. Each late payment can stay on your report for up to 7 years, impacting your ability to secure future loans and lines of credit.

Where can I get help with my mortgage payments?

In Canada, several resources can help with mortgage payments:

  • Your mortgage lender: Contact your lender directly to discuss hardship options like payment deferrals or loan modifications.
  • Government programs: Canada Mortgage and Housing Corporation (CMHC) offers programs like the Homeowner Help Program for at-risk homeowners.
  • Non-profit organizations: Credit counseling agencies like Credit Counseling Society can provide free debt advice and negotiate with your lender.

Alternatively, reach out to our team of Licenced Insolvency Trustees. We will take the time to fully understand your financial situation, crafting a custom plan to get you on your way to a debt-free future.

Where can I get debt advice if I’m struggling with my monthly mortgage payment?

If you’re struggling with your monthly mortgage repayments, we are here to help. Our team will work with you to fully understand your mortgage, finding a debt solution that puts you first. Reach out for a free consultation today.

How do homeowners lose control of their monthly payments?

Several factors can cause homeowners to lose control of their monthly payments, including:

  • Job loss or income reduction: Unexpected changes in income can make it difficult to afford mortgage payments.
  • Rising interest rates: Increasing interest rates can significantly raise monthly payments, leading to difficulty managing them.
  • Unexpected expenses: Major repairs, medical bills, or other unforeseen expenses can strain budgets and impact mortgage payments.
  • Overextension: Borrowing too much for a mortgage or taking on additional debt can make it challenging to manage overall finances.

How do mortgage debts affect your life?

Mortgage debt can affect your life in various ways, including:

  • Stress and anxiety: Financial pressures can lead to stress, anxiety, and impact your mental well-being.
  • Relationship strain: Debt-related stress can impact relationships with family and friends.
  • Reduced quality of life: Difficulty meeting other financial obligations or affording desired activities can affect your overall quality of life.
  • Future borrowing: A poor credit score due to missed payments can make it difficult to borrow for future needs like buying a car or renovating your home.

What happens if I can't pay my mortgage in Canada?

If you can’t pay your mortgage in Canada, your lender will contact you to discuss the situation. Ignoring the issue can lead to serious consequences, including foreclosure, which involves the property being repossessed and sold to cover the outstanding debt. Want to make a proactive plan? Reach out to our Licenced Insolvency Trustees today.

Is a mortgage considered debt in Canada?

Yes, a mortgage is considered debt in Canada. It’s a secured loan used to purchase a property, with the property acting as collateral. While managing a mortgage responsibly can boost your credit score, neglecting payments can have the opposite effect. If you need help refinancing, we can refer you to someone you can trust to provide the help you deserve.

Take your first step to financial freedom

Mortgage debt can feel overwhelming, but it doesn’t have to define your future. Taking the first step is often the hardest, but reaching out to our team can be the key to unlocking a brighter financial horizon. Together, we’ll build a personalized roadmap to debt-free living and financial security.

Contact information

It's never too late to obtain debt help. Book your free consultation today

Phone number
Send us a message

Contact form

✓ Valid number ✕ Invalid number
This field is for validation purposes and should be left unchanged.

Where you can find our mortgage debt relief services in Canada

No matter where you are in Canada, our mortgage debt relief services are just a phone call away. We understand the unique challenges faced across the country, and our teams are local professionals ready to help you find the best path forward.