The One Payment Plan

Too many payments? Your BC home may be able to fix that.

Start my 2-minute Debt Payment Check

The month ends before the money does

You know the feeling. The card payment lands on a Tuesday, the car loan on a Friday, the line of credit whenever the statement says, and the mortgage on the first. None of them is huge on its own. Together they eat the month. You move money from one account to another and still feel late even when you are not.

That is the pain this site is built for. Not a lecture. Not a promise that a new loan erases the past. A clear look at whether the home you already own can turn several payments into one that fits, and an honest stop if it cannot.

Equifax Canada reported average non-mortgage debt of $23,558 per consumer in British Columbia in the second quarter of 2026, $24,507 in Vancouver, and $22,699 for Canada. Those are published averages, not your file, and not a target. Source: Equifax Canada, second quarter of 2026, https://www.equifax.ca/about-equifax/newsroom/-/intlpress/non-mortgage-delinquency-growth-slows-in-second-quarter-but-ontario-homeowners-remain-under-pressure/

What people in this spot usually want

One payment they can explain to a spouse. Money left after the bills. The house still in the family. They also want to avoid a lecture, a surprise credit hit, and a product that was chosen before anyone heard the story.

The fear is reasonable. Debt talk is personal. A lot of advertising shouts a single product. I am a mortgage broker. My job is to lay the options next to each other, including doing nothing, and to say when a mortgage is the wrong tool.

The quiz is for BC homeowners of any age. The work itself is by phone or video for all of BC.

The fixes, in one pass

A refinance rolls other debts into a new mortgage. It can lower the monthly amount because the time to repay is longer. You may pay more interest over that longer time, and if you borrow more, equity goes down. Read the refinance page before you assume it is automatic.

A blend and extend tries to add debt in the middle of a term without breaking the mortgage you have. A home equity line of credit is a reusable limit, which helps only if you actually pay it down. A second mortgage keeps a good first mortgage and sits behind it. Private lending is a bridge when payments are already behind, and it needs an exit plan. Fees on a second or a private loan are disclosed in writing before you sign.

A reverse mortgage is only for owners where the youngest person on title is 55 or older, and only when no regular payment is the point. Interest builds and equity goes down while you live in the home. If none of these fit, the free Credit Rehabilitation Program is the path, plus a pointer to non-profit credit counselling. I do not provide that counselling.

An example household, not a client

This is a made-up example with round numbers, not a real client. Before, the example month was a $1,900 mortgage, a $600 line of credit, $750 on cards, and a $550 car loan. That is about $3,800 leaving the account in four directions.

An example refinance turned that into one $2,500 mortgage payment. The chart on this page shows those example dollars. It is not a quote, not an offer, and not a promise that your payment would match. The lower number can still mean more interest over the years, because the debt lives longer inside the mortgage.

I would rather you see that trade-off on a public page than hear it for the first time in a signing package. The One Payment Plan is the name for the assessment, the written plan, and the promise around it. It is not a product you buy off a shelf.

The One Payment Plan

You get a free debt assessment: every debt, every payment, every option that might fit. You get a written plan within 14 days of me receiving your documents. You get the Straight-Answer Promise. If you are not a fit yet, you get the free Credit Rehabilitation Program.

The promise is simple. I call you back within one business day. The written plan follows the documents, not a vague someday. If none of the options is right yet, I say so, put you on the rehab program, and point you to non-profit credit counselling. The assessment costs you nothing. There are no automated follow-ups.

Along the way you can get a Breathing-Room Snapshot of every payment on one page, a Debt Payoff Map of which balances could be paid out, and an Options Side-by-Side that includes doing nothing. The Paperwork Concierge is a printed checklist. I package the file with you. Owners on the 55 plus path can add a Family Conversation Call so adult children hear the same facts. A 12-month check-in is a personal call on a date you agree to, not a drip campaign.

What this is not

I am Matt Blake, a licensed mortgage broker with BRX Mortgage Inc. I do not negotiate with your creditors. I am not a credit counsellor. BRX Mortgage Inc. is not a debt settlement company. If a consumer proposal or bankruptcy belongs in the conversation, a Licensed Insolvency Trustee is the right professional, and I will tell you that.

Nothing on this site is an approval, an amount, or a term. Service promises cover the call-back, the written plan, and an honest answer. They do not cover a yes from a lender.

How it works: you take the BC Debt Payment Check, I call within one business day, and the written plan arrives within 14 days of the documents. One button matters. Start the quiz.

Start my 2-minute Debt Payment Check