Home Equity Loans
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Rates from From 4.45%

Home Equity Loans

Borrow Against Your Equity

Unlock the value you've built in your home with a fixed-rate home equity loan. Get a lump sum for renovations, debt consolidation, or major purchases — with predictable monthly payments and no surprises.

Get Started Call (416) 822-7357
Why Choose Us

Benefits of Our Home Equity Service

Fixed Rate & Payments

Lock in a fixed rate with predictable monthly payments that never change.

Keep Your First Mortgage

Access equity without breaking your existing mortgage or paying penalties.

Lump Sum at Closing

Receive the full amount upfront for renovations, debt payoff, or investments.

Flexible Qualification

Options available through A-lenders, B-lenders, and private lenders for all credit profiles.

Our Process

How It Works

01

Equity Assessment

We calculate your available equity and discuss your borrowing goals.

02

Rate Shopping

We compare home equity loan rates from 50+ lenders to find your best deal.

03

Approval & Appraisal

Quick approval process with a property appraisal to confirm your home's value.

04

Funding

Receive your funds and put your equity to work for your goals.

FAQ

Frequently Asked Questions

You can typically borrow up to 80% of your home's appraised value minus your outstanding mortgage balance. For example, a home worth $800,000 with a $400,000 mortgage could access up to $240,000.
No. A home equity loan provides a fixed lump sum with fixed payments, while a HELOC is a revolving credit line with variable rates. A home equity loan offers more certainty; a HELOC offers more flexibility.
A-lenders require 650+, B-lenders work with 550+, and private lenders focus on equity rather than credit score. We can find options for virtually any credit situation.
Bank and credit union approvals typically take 2–4 weeks. Private lenders can often close within 3–5 business days for urgent needs.
No. Your first mortgage remains completely unchanged. The home equity loan is a separate second mortgage registered on your property's title.
Only if you use the funds for income-producing purposes (investments, rental property, business). Interest on funds used for personal purposes is not deductible in Canada.
Get Started

Unlock Your Home Equity Today

Find out how much you can borrow and get a personalized rate quote — free, no obligation.

Get Your Best Mortgage NOW

AND SAVE $1,000s IN INTEREST

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Unlock Your Home Equity Today

Find out how much you can borrow and get a personalized rate quote — free, no obligation.

Get Free Consultation Call (416) 822-7357