White_logo
Trusted by GTA homeowners

Home Equity Loans in Toronto, Based Mainly on Your Equity

Call 647-930-9738 Check my equity
Approval in as little as 4 hrs
Fast digital application
Up to 80% combined, subject to approval
Rated 4.9 on Google from 100+ reviews
Hero image

How Much Could Your Equity Home Unlock?

Get your free assessment in less than 60 seconds

Property Details

Enter your property information to calculate your equity.

Borrow Application

How It Works

Get funded in three simple steps

Check Your Eligibility

Answer a few quick questions about your property to see if you qualify

Get Your Funding Amount

We'll assess your home's equity and present you with a personalized offer

Receive Your Funds

Once approved, funds are deposited directly into your lawyer's trust account

Want to know what your home could unlock? Talk to us today.

Call 647-930-9738Check my equity

Access the Equity You've Built in Your Home

As a direct, equity-based lender across Toronto and the GTA, we base our lending decisions mainly on the equity in your home. Credit is reviewed, but your home equity carries most of the weight in the decision, and income proof is optional. Pre-retirement or retired, self-employed or between jobs, you can apply to finance the life you want while keeping ownership of your property. When a partner lender is a better fit, our brokerage access lets us place your deal there too. Own a home in the city? See how we work as a Toronto mortgage lender.

Enhance Your Lifestyle
Leaving Inheritance to Your Loved Ones
Eliminate Expensive Debt
Renovate or Build A Secondary Suite
Managing Divorce or Separation Equalization Payment
Invest in Profitable Opportunities
Row of brick two-story houses with covered porches on a tree-lined street in autumn foliage.

How Equity Rich Works

Explore equity-based mortgage solutions, from private mortgages in Toronto and second mortgages to home equity loans, all qualified on the equity in your home.

Flexible Payment Options

We walk you through the payment options, including interest-only, so you can choose what fits your budget.

Quick Access to Funds

Unlock up to 80% of your home's value, combined with your mortgage, subject to approval, with funds in days once approved — no lengthy bank delays.

Equity Comes First

Get equity-based financing where your home's value matters most. As an alternative mortgage lender in Toronto, we review your credit, but your home equity carries most of the weight in the decision, with mortgages with income proof optional for self-employed and retired owners.

Expert Guidance

A dedicated mortgage advisor will answer your questions, explain your options, and guide you through every step of the lending process.

How home equity works

Your home’s value
What you owe on it
Your equity

You can borrow up to 80% of your home’s value, subject to approval, minus what you already owe on it.

Find out how much equity you can access, subject to approval.

Call 647-930-9738Check my equity

Find out how much equity is tied up in your home

Get a quick online estimation of how much equity you could unlock using our calculator.

Get an estimate

Up to 80% of your home's value

Combined with your mortgage, subject to approval. Proceeds are tax free.

Interest-only payment options

Ask whether paying interest only could suit your plan.

Maintain 100% ownership

Stay in the home you love.

Modern two‑story house with a dark garage door, stone accents, and warm exterior lighting at dusk.
WHAT OUR CLIENTS SAY

Trusted by Homeowners Across the GTA 

 
 
 
 
  EXCELLENT  
 Google star 1Google star 2Google star 3Google star 4Google star 5 
 Based on 109 reviews 
  
 
 
 
 
 
 
 
  
 
 
 
 Posted on Google Google 
  
 
 Akash l 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5 
Super fast loan approval! I got my approval within a week, and the whole process was very smooth and easy. Karan helped me with all the documentation and was always available whenever I needed help. Really appreciate all his support throughout the process. Thank you so much—the result was amazing!
  
 
  
 
 
 
 Posted on Google Google 
  
 
 Valentino M 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5 
I needed to pull some equity out of my house but didn’t want to get caught up in extra fees. Maks, Liza and Adelisse were upfront about everything, easy to reach and made the process much less stressful. Would definitely work with the Equity Rich team again.
  
 
  
 
 
 
 Posted on Google Google 
  
 
 Alina K 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5 
I've been growing my rental portfolio, so finding financing for another property in Richmond Hill was important. Equity Rich helped make it happen without all the unnecessary delays. Really happy with how everything turned out
  
 
  
 
 
 
 Posted on Google Google 
  
 
 Nader D 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5 
Amazing Team! Great to work with.  Would deal with them again.
COMMON QUESTIONS

Frequently Asked Questions

Everything you need to know about our home equity solutions.