We provide equity loans secured to residential, commercial, and rural real estate across Canada.

An equity loan is a loan that is provided to a property owner. Commonly, an equity loan is provided to consolidate debt, as business capital, or for personal use.

Financial institutions have strict lending criteria and it can often be difficult to obtain an equity loan. In contrast, private lenders are less stringent and use common sense underwriting. Private lenders are focused on equity, rather than income or credit.
An equity loan is provided based on a percentage of the equity in a property. The more equity you have, the larger an equity loan you can likely obtain.

An equity loan can be registered against your property as a first mortgage, second mortgage, or third mortgage. Commonly, equity loans are provided as second mortgages. The reason for this is because most property owners already have an existing first mortgage with a low rate.

Therefore, it is more financially feasible to obtain a smaller second mortgage than refinance the whole property. Equity loans are frequently obtained to satisfy short term goals that eventually lead to meeting long term objectives.

To qualify for an equity loan, you must own a property and have sufficient equity.

We are an equity-based lender. Regardless of income or credit, if there is sufficient equity, you are approved.

Visit our Loan Products page to learn more about what we have to offer.

View our Guidelines and Lending Areas to get started.

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Interested in getting an equity loan? Contact us to get started.