Unlock Your Home’s Equity Fast
Get quick access to funds for business, renovations, or investments – approvals in as little as 1 day.
Access $25K – $1M+ with fast, flexible home equity loans
No income verification required – ideal for self-employed Canadians
Reinvest in your business or renovate your home
Alternative private lending solutions tailored to your situation
Approval within 1 business day – funds deposited within 5 days
What We do
We help you consolidate your debt, repair your credit, pay off back taxes, expand your business, renovate your home or buy a home if you're self-employed.
We can provide all of the traditional bank mortgages as well as private home equity loans that are more flexible. Our experts have been in the industry for years and can help you find the best solution to suit your situation.
How it works
1. Apply
Fill out our form above in order to speak with a specialist.
2. Get Approved
You’ll be notified within 1 business day if you were approved for a competetive loan.
3. Receive Your Money
Funds can be deposited directly into your bank account within 5 business days of approval.
Frequently Asked Questions
What is a home equity loan?
A home equity loan is just that, a loan that is backed by the equity in your home. The equity in your home is simply the difference between the market price (what you could reasonably sell it for in a fair market transaction) and how much you owe on it (the existing size of your mortgage).
What is the purpose of a home equity loan?
At its heart, a home equity loan is a conversion of your wealth from a form you can’t spend to one that you can. If your house is worth a lot more than you owe on it, that’s great – but the grocery store doesn’t accept equity.
Home Equity Solutions allows you to access the hard earned savings you have put in your home so that you can put it to more productive uses.
Why would I want a home equity loan?
There are a multitude of reasons. As we have said, a home equity loan converts savings you can’t spend to savings that you can. Building equity in your home is a great way to save and its the primary avenue of savings for many Canadians. However, it is a long term strategy that does not always fit with life’s short term changes.
What is private lending?
Private lending is simply the act of lending when the lender is not a bank. We are not a bank and therefore, we are a private lender.
Many of the same mortgage services are available from a private lender, but we are more flexible than a bank when it comes to underwriting policies and can thus lend to a broader range of clients.
Why would I use a private lending firm?
Major banks are governed by overly restrictive lending guidelines. At Home Equity Solutions, we can provide a wider range of loan products.
We can arrange all of the traditional mortgage products through your bank and we can also offer a number of private loan products.
Our loans are short-term and interest-only and are designed to be as flexible as possible.
What is a second mortgage?
If you are taking out a home equity loan and you have an existing mortgage, then that home equity loan is a second mortgage. It allows you to finance investments, consolidate debt, repair your credit, renovate your home, or go on a family vacation.
What is an interest only loan?
An interest only loan is one in which you are only required to pay the monthly interest. Most loans also require that you pay some portion of the principal.
As an example, your credit card company will stipulate that your minimum payment is 2%-4% of your balance owing. Part of that (not much) goes towards your principal and part of it (most) goes towards paying off the interest on your debt.
Your mortgage payment is structured similarly, with a portion going towards paying down your principal and a portion going towards paying off interest.
How much equity can I use?
The amount of money you can borrow using a home equity loan depends on the value of your home and the size of your current mortgage (your current LTV).
Our max LTV is 80%. So your available equity is your max LTV (80%) minus your current LTV.
In the example below, the individual has $150,000 in available equity.
What if my credit score sucks?
Not to worry. Our loans are based on the equity you have accumulated in your home, so less than perfect credit ratings are not a hindrance.
Furthermore, consolidating your debt will allow you to improve your credit rating, giving you access to even better interest rates. This is what we call the .
A higher credit rating will improve many aspects of your life and let you sleep better at night.
If I'm in debt, how does another loan help?
This is a common question. The key here is a confusion between the number of loans and the amount of loans. Consumer debt charges interest rates that can be oppressively high, making the prospect of paying off your debt seem unobtainable.
The key to a home equity loan is that you pay down your consumer debt, thereby changing the composition of your debt and lowering your monthly interest payments. This frees up more money to go straight to debt reduction. This process lets you improve your credit rating which will eventually allow you to secure an even lower interest rate.
Why Choose Home Equity Solutions?
At Home Equity Solutions, our mission is simple: to improve your financial standing and help you regain control of your life. We achieve this through custom lending solutions tailored to your unique situation, whether it’s a private home equity loan or a traditional mortgage.
Our experienced team of mortgage brokers and financial experts works with you every step of the way, ensuring you understand your options and feel confident in your decisions. Beyond loans, we provide educational resources, ongoing credit monitoring, and personalized guidance to help you achieve your goals—whether that’s consolidating debt, renovating your home, or financing a business.
With transparency, honesty, and exceptional customer service at our core, we don’t just offer loans—we offer solutions that improve your finances and your quality of life.