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Welcome to Home Equity Loans

We’re Canada’s choice for HELOC’s and home equity loans. Our solutions are unique like you. Our clients don’t fit into a box and neither do their home mortgage needs. Get approved in as little as 24 hours!

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We Shop For The Best Rates, So You Don’t Have to!

Why Choose HomeEquityLoans.ca?

At HomeEquityLoans.ca, we understand how important exceptional customer service is to our clients. Our clients in Canada come to us looking for help with making an important financial decision in their lives and we don’t take that lightly.

We’re committed to helping our clients get approved for the lowest rates with the most flexible terms. Our mortgage solutions are unique, just like you!


Years of Experience

Fast Approvals

With access to one of Canada's largest network of equity lenders, we get approvals fast. In fact, we can get approvals in as little as 24 hours. We are Canada's choice for home equity products.

We Make the Loan Process Easy

Home loans can be stressful and confusing but they don't have to be. We've simplified the process and made it easy for our clients to understand and even easier to get approved. Our team of professionals are with you from start to finish and will leave you smiling!

We Help You Plan for Your Future

The team at HomeEquityLoans.ca prides itself on finding its clients short-term solutions while focusing on their long-term goals. Contact us today to see how we can help improve your financial future.

Comprehensive Home Loan Services

We work with Canadian homeowners to find them the best financial solutions available to them. We are Canada's choice for home equity mortgage products.

We offer quick turnaround times with same day advice.

Home Equity Loans and HELOC's

There are very subtle differences between a home equity loan and a home equity line of credit. In both cases, your home is used as collateral. Neither a home equity loan or a HELOC will impact your first mortgage. In fact, most home equity products are placed behind your existing mortgage, unless you have no mortgage of course.

Both products offer homeowners a way to access their homes equity quickly and cost-effectively. They can be a great tool to improve your cash flow, remedy financial hardships, or act as a financial safety net.

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Home Equity Loans vs Home Equity Line of Credit

Both HELOCs and home equity loans use your property as collateral. A home equity loan gives you a lump sum of money upfront. You then make fixed payments over the lifetime of the loan. A HELOC enables you to tap into your funding as needed. You make payments on the amount of funding you’ve withdrawn. HELOC’s are just like credit cards, without the punitive interest rates and can be a homeowners best friend when times are tough. Your payment amounts will change depending upon how much money you draw from it.

Home Loans Approved in as Little as 24 Hours

Use our online application form to apply for a HELOC or a Home Equity Loan in Canada today!

Rated 4.9 of 5

Hear What Our Happy Clients Have to Say

We’re proud to be top-rated among clients in Canada. See what some of our satisfied customers have to say about us here:

Some statistics from HomeEquityLoans.ca

We help our clients achieve their short-term needs while focusing on their long-term goals. Find out why so many clients are raving about the team at HomeEquityLoans.ca


Happy Clients


Approval Rate

Frequently Asked Questions

The process of getting a home equity loan or a HELOC in Ontario can be confusing. We've answered some of the most common questions we get asked below.

The simple answer is YES, provided you have sufficient equity in your home. Because home equity loans are based on the amount of equity you have in your home and not credit or income, most homeowners with equity are eligible. If you’re not sure how much equity you have, you can use our simple home equity calculator to determine how much you may be eligible to borrow
A number of factors go into getting approved for a home equity line of credit. The 3 major factors are:
  • Credit: It’s ok if your credit isn’t perfect but if you’ve just been discharged from your third bankruptcy, you’re likely not a candidate
  • Income: You must be able to prove that you have enough stable income to afford the payments
  • Equity: you must have sufficient equity to be approved. Not sure if you have enough equity in your home? Try our handy home equity line of credit calculator.
Still not sure if you qualify? Give us a call to discuss your options with one of our home equity line of credit experts.

How Does Our Process Work?

Our process for home equity loans and home equity line of credit in Canada is straightforward.

Apply Online or Give Us a Call
Speak with one of our friendly financial advisors so we can get a better understanding of your goals and situation.
We Guide You Through the Process
We take customer satisfaction seriously. We walk our clients through the entire process and make sure that your experience is one that you'll want to tell your friends and family about. Getting a home loan has never been easier!
Receive Your Funding
We understand that you've got things to do, places to go, and people to see. We pride ourselves on making sure that you get your funds lightening quick to ensure you can get back to what matters most to you.

Ready to Get Started?

HomeEquityLoans.ca is the leading choice for HELOC and home equity loans in Ontario and Canada. Contact us today or get started on your online application.
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