Metric 01
15 yrs
home equity files
CANADIAN PROPERTY FINANCE
Use Your Home Equity
We review your home equity, compare refinance, second mortgage, and debt consolidation choices, and show the next step for your file.
Metric 02
4.8/5
client rating
Metric 03
48 hrs
to first file review
HOW IT WORKS
A Clear Four-Step Plan
Use home value for repairs, bills, or a large one-time cost.
48-hour review
Home Equity Loans
From C$499
Use home value for repairs, bills, or a large one-time cost.
Same-week call
Mortgage Refinancing
From C$699
File check
Second Mortgages
From C$899
01Payment plan
Debt Consolidation
From C$499
Roll cards, lines, and loans into one monthly payment.
02Investor file
Investment Property Funding
From C$1,250
Use equity to buy, fix, or hold a rental property.
03Plan review
Equity Release Guidance
From C$299
See how much cash you can take out without selling your home.
SERVICE OPTIONS
Choose Your Equity Path
Tell us about your home, debt, or next buy. We set a call time.
01
Book a Review
02
Check the Numbers
03
Compare Paths
04
Move Forward
CLIENT RESULTS
Real Files, Real Numbers
Home value and loan check Payment stress test Debt amount review Equity use map Next-step email
One-time feeOne-time fee
Starter
From C$499
- Home value and loan check
- Payment stress test
- Debt amount review
- Equity use map
- Next-step email
Most popularIncludes lender match
Signature
From C$1,250
- Home value, balance, and income review
- Payment stress test with rate options
- Debt payoff order and monthly view
- Equity use map for refi or second mortgage
- Lender shortlist
- Closing file prep
For larger filesFor larger files
Scale
Custom
- Two-property cash flow review
- Home value, balance, and income review
- Refi and second mortgage blend
- Investor funding plan
- Debt payoff order for portfolios
- Lender packet build
WHAT CLIENTS SAY
Clients Say It Plainly
Pulled $168k in equity and kept the monthly payment in range
Condo
Toronto condo refi for a kitchen and repairs
Pulled $168k in equity and kept the monthly payment in range
Homeowner
Brampton debt reset for one family home
Investor
Calgary rental buy with home equity
Tax Bill
Ottawa second mortgage for tax bills
Care Costs
Mississauga equity plan for care costs
Refi and debt files
Maya Desai
Rate and term review
Owen Park
Docs and lender prep
Priya Singh
Calls and follow-up
Daniel Brooks
Proof
Customer notes
Verified
“They showed me two refi paths and saved me a long back-and-forth.”
Maya Desai
Homeowner, Toronto
Verified
“Our rental file was sorted fast, and the payment plan made sense.”
Liam O'Rourke
Property investor, Mississauga
Verified
“I had card debt and a second mortgage option I could actually use.”
Priya Bains
Family client, Vaughan
Service area
Greater Toronto Area
Toronto, Mississauga, Brampton, Vaughan, Markham, Oakville
Area 01
Greater Toronto Area
Toronto, Mississauga, Brampton, Vaughan, Markham, Oakville
Area 02
York Region
Vaughan, Richmond Hill, Markham, Aurora, Newmarket
Area 03
Peel Region
Mississauga, Brampton, Caledon, Milton, Bolton
Area 04
Durham Region
Pickering, Ajax, Whitby, Oshawa, Clarington
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Questions
Home Equity FAQs
Quick answers before visitors choose a product, service, or next step.
01How much home equity can I use?+
It depends on home value, current mortgage, and income. We review the numbers and show what you can use first.
02Do you help with debt consolidation?+
Yes. We can group high-interest debt into one payment if your home equity and file fit lender rules and budget.
03Can investors use equity too?+
Yes. We help with rental and mixed-use files when property value and cash flow support the plan well enough.
04Is refinancing better than a second mortgage?+
It depends on rate, term, and how much cash you need. We compare both and show the trade-offs in plain words.
05How fast can a file close?+
Simple files may close in days. Larger or investor files can take longer if more docs are needed to sign.
06Do you work across Canada?+
We focus on Canadian property files and can help many homeowners and investors by phone or online across Canada.
Get Equity Notes
Get short notes on home equity, refinance rates, and debt moves for Canadian homeowners and investors.