Licensed Ontario lender since 2008 · Mon-Sat 9am-6pm · 416-633-2408
Your home, working for you

Unlock up to 80% of your home's value

Renovating, consolidating debt, or buying another property? Turn the equity you've built into one small monthly payment, with approval in as little as 24 hours, even with bad credit.

Up to 80% Of home value
24 hours Approval as fast as
Bad credit Welcome

Quick qualification check

  • Do you own a home with equity built up? (An existing mortgage is fine.)
  • Are you 18 years or older?
  • Do you have a chequing account that's 3+ months old?
Yes to All? Let's Go

Answered no to something? Call us anyway. Our advisors work closely with you to find the best possible solution. Approval is not guaranteed and conditions apply.

What can it fund?

Put your equity to work

Renovate & repair

A new kitchen, a finished basement, an urgent roof repair. Improve your home using the value it already holds.

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Consolidate debt

Roll high-interest credit cards and loans into one small monthly payment and give your cash flow room to breathe.

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Acquire property

Use your current home's equity as the down payment on an investment property or cottage.

Human help included

Advisors who work with you, not against you

Home equity lending isn't one-size-fits-all. Our advisors sit down with you (in person or by phone), look at your full situation, and structure a loan that actually fits: one small monthly payment instead of many.

  • Approval in as little as 24 hours, funding within a few days.
  • Bad credit welcome. The loan is secured by your home, not your score.
  • Borrow up to 80% of your home's appraised value.
Start My Application
Home equity loan at a glance
Borrowing limitUp to 80% of your home's value
ApprovalIn as little as 24 hours
FundingWithin a few days of approval
PaymentsOne small monthly payment
Credit requirementsFlexible, bad credit accepted
Best forRenovations, consolidation, property purchase
Home equity FAQ

Common questions

How much can I borrow? +
Up to 80% of your home's appraised value. The exact amount depends on the property, its location and your overall situation. An advisor will walk you through it after you apply.
My credit isn't great. Can I still qualify? +
Yes. Because the loan is secured by your home, your credit score matters far less than with unsecured lending. We regularly approve homeowners the banks have turned away.
How fast can I get the money? +
Approval can happen in as little as 24 hours, and funding typically follows within a few days once the paperwork is complete.
Do I need to own my home outright? +
No. You can borrow against the equity in your home while keeping your existing first mortgage — that's exactly what a home equity loan is for. The more equity you've built, the more options you'll have. Call 416-633-2408 and our advisors will look at your situation.

Your equity. Your terms.

Apply today and speak with an advisor within one business day.

Apply for a Home Equity Loan