Debt Consolidation

Debt ConsolidationDebt consolidation can be quick and easy using the equity in your home to avoid paying high-interest rates.

Call for an appointment, or apply online, with our products and services you lower your interest rates while allowing to make one easy payment per month.

When will you be debt free? Learn what affects your debts and estimate below your current debt free time

Unsecured debts (credit cards, car loans or others) offer a higher interest rate than a mortgage, while they help in the short period to purchase the goods, they also lead to a longer period and higher cost before the loan is paid.

Debt consolidation is a new loan that can help eliminate all or some existing higher interest rates loans

Debt consolidation should be considered not only when you are getting into financial problems, you can also consider it as an opportunity for new investment and wealth consolidation.

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Debt consolidation assessment practices are, quick, effective, easy and offer the following immediate benefits:

  • Save of thousands of dollars on interests based on the current debts
  • Cash flow relieve
  • Secured lower interest rates
  • Comfortable amortization periods
  • Credit scores improvements
  • Allow equity funds to be used towards other new investments

Using the equity in your home offers an easy, cheaper quick and comfortable way out of debt.

Use the credit card debt calculator below to estimate when will you be debt free

Months It Will Take To Be Debt Free:
Years It Will Take To Be Debt Free:
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Canadian job market 2012

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Canadian job market 2012

  • Canadian Job Market 2012The Canadian job market ended 2012 with a bang, as it created 39,800 net new positions in December.  The monthly report card was a whopping eight times what the market had been expecting.  If we broaden the period of interest to the fourth quarter, the Canadian economy churned out 100,800 new jobs.  For 2012, as a whole, the economy created roughly 17,000 new positions per month.
  • The national unemployment rate inched down 0.1 percentage points to 7.1% in December.  This is the lowest rate seen in four years.  The jobless rate hovered around the low-7% range for much of the year.  Not surprisingly then, the average annual unemployment rate clocked in at 7.3% for 2012.
  • The underlying details of the employment report were positive all round.  All of the gains recorded in December were in full-time positions (+41,200).  Part-time (-1,400) and self-employment positions (-22,800), by contrast, experienced losses.  Private sector hiring (+59,400) also did much of the heavy lifting in the month.
  • On an industrial basis, the transportation and warehousing sector gained 21,500 positions.  The construction sector was also up by 17,800.  Major sectors in the negative column were professional, scientific and technical services (-41,500) and public administration (-12,600).
  • Average hourly wages grew by 2.4% in December on a year-over-year basis.  This pace is generally in line with inflation.  Better average wage gains were recorded in 2012 as a whole (2.9%) versus 2011 (2.0%).
  • At the provincial level, jobs gains were recorded in five provinces: Ontario, Manitoba, Saskatchewan, Newfoundland and Labrador, and Prince Edward Island.

Thanks to TD Economics for this report.

DISCLAIMER

This report is provided by TD Economics. It is for information purposes only and may not be appropriate for other purposes. The report does not provide material information about the business and affairs of TD Bank Group and the members of TD Economics are not spokespersons for TD Bank Group with respect to its business and affairs. The information contained in this report has been drawn from sources believed to be reliable, but is not guaranteed to be accurate or complete. The report contains economic analysis and views, including about future economic and financial markets performance. These are based on certain assumptions and other factors, and are subject to inherent risks and uncertainties. The actual outcome may be materially different. The Toronto-Dominion Bank and its affiliates and related entities that comprise TD Bank Group are not liable for any errors or omissions in the information, analysis or views contained in this report, or for any loss or damage suffered.