Free Consultation


We offer the opportunity for you to consult with our knowledgeable staff free of cost or obligation.  With your help, we can assess your needs, and determine your path to achieve them together. 

Financial Analysis


Your "Personal Financial Analysis" will provide OCS with the figures needed to optimize your refinancing requirements.   


Refinancing at the Best Rates in Ontario

OCS offers a wide variety of personalized refinancing solutions to assist our clients.  Whether you are refinancing to obtain a better rate, access a lump sum of cash, consolidate your debt, or take a 2nd mortgage, YOU CAN REST EASY!  By utilizing our partnerships, we guarantee the best rates and terms for your specific situation.  OCS is a fee for service provider and NOT the lender,  financing is secured by our affiliates.

Annual Financial Overview


With our Annual Client Overviews, you can expect our continued support in the mission to save you money and improve your credit.

Credit Counselling and Rebuilding 

Through Licensed Insolvency Trustees, we can offer our clients a range of debt solutions.  We offer Credit Counselling and Rebuilding Services, for those who have completed their programs with our affiliates. 


Credit Scores determine a multitude of factors financially.  The amount of interest you pay on a loan, and whether you are even approved for a loan, are decided by this Beacon / Credit Score.  This translates to how much money it costs you to service household expenses like mortgages and vehicles.  Having a good score can save you hundreds, even thousands of dollars per month. 


At OCS, we pride ourselves in educating, and assisting you improve your score.  We will often plan for the long-term, by providing Short-Term Mortgages to our clients as a means to consolidate debt, and improve their credit scores.  At OCS we re-evaluate our clients yearly, to optimize their potential savings.  



Debt Consolidation


Consolidating your debt is at the core of our mission at OCS.  Unfortunately credit debt has become a very real problem. 


Per The Bank of Canada's findings May 1st, 2018, household debt is around 170 per cent of disposable income he or she earns per year, after taxes.  In other words, the average Canadian owes $1.70 for every dollar they have in their pocket. 

There are so many hard working Ontarian's living pay to pay, with the constant worry of drowning in debt payments.  You are not alone, and we can help!  Let one of our friendly staff show you a better way today! 


At OCS we offer many refinancing solutions to get rid of your debt, improve your credit, and save you money!  Sincerely, we save on average, $500 to $1,500 dollars per month for our clients.