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Trusted by Canadian homeowners

Home Equity in Toronto Without Income or Credit Requirements

Get Started How It Works
Same-day approvals
Fast digital application
Up to 80% LTV
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Find Out How Much You Can Borrow

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

Access the Equity You've Built in Your Home

As a direct, equity-based lender across Toronto and the GTA, we approve financing on the equity in your home, not your income or credit history. Pre-retirement or retired, self-employed or between jobs, you can 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.

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
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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

Choose payment amounts based on your finances — your home equity covers what remains, giving you full control over your private mortgage repayment.

Quick Access to Funds

Unlock up to 80% of your property's value, with mortgage approval and funding in as little as 48 hours — no lengthy bank delays.

No Credit Requirement

Get equity-based financing without worrying about credit score limitations. As an alternative mortgage lender in Toronto, we focus on your home's value, not your credit history, with no-income-verification mortgages 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.

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

Access up to 80% of your home value

Proceeds are tax free.

No regular payments required

Making interest payments is up to you.

Maintain 100% ownership

Stay in the home you love.

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WHAT OUR CLIENTS SAY

Trusted by Homeowners Across the GTA

COMMON QUESTIONS

Frequently Asked Questions

Everything you need to know about our home equity solutions.