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At OCS, we refinance mortgages with an emphasis on consolidating credit debt. We’re able to access lump sums of cash from the proceeds for home improvements etc. Our process saves an average of $1,000 per month for our clients, improves their credit, and gets them mortgage-free faster. We guarantee the best rates and terms for any residential financing, with access to over 100 lenders across Canada. OCS is able to approve clients who would otherwise be turned down at their bank. We offer quotes free of any cost or obligation to provide in-depth financial analysis with no risk.