Trusted by Canadian homeowners

Home Equity in Toronto Without Income or Credit Requirements

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.

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.

Modern two-story house with a double garage, stone facade, and illuminated entry at dusk.
WHAT OUR CLIENTS SAY

Trusted by Homeowners Across the GTA

EXCELLENT
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Based on 107 reviews
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Mina A
Google star 1Google star 2Google star 3Google star 4Google star 5
Absolutely amazing hard-working, sincere and honest team! These guys took my file on when two or three Banks said no. They worked super hard. I was able to contact them almost any time of the day because they knew I was dealing with a short timeline and they came through and got me an incredible mortgage with the first tier Bank! I attempted getting a mortgage myself before going to them and it was just a waste of time and a headache and I did a lot more work than I needed to. Trust me, save your energy and your strength and go to them directly. Maksim and Liza are incredible at what they do. I cannot thank them enough!
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Nader D
Google star 1Google star 2Google star 3Google star 4Google star 5
Amazing Team! Great to work with. Would deal with them again.
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Mindy K
Google star 1Google star 2Google star 3Google star 4Google star 5
Max and his team were incredibly knowledgeable, patient and proactive. They guided me along and were excellent communicators throughout the process. Renewing or getting a mortgage can have its stressful bouts, and they managed it impeccably with professionalism at all times. I have and will continue to refer Max and his team, as they are leading mortgage brokers with the expertise others lack.
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Georgia B
Google star 1Google star 2Google star 3Google star 4Google star 5
I highly recommend Orion Financial for a mortgage. Since my initial interaction with Maksim and then followed by Liza, both were very professional, knowledgeable, patient and helpful. They were able to grant me a mortgage with a rate cheaper than the bank, and anwered all my questions efficiently through email, text or phone. I would recommend Liza and the team here at Orion to my friends and family and to you.
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A. M
Google star 1Google star 2Google star 3Google star 4Google star 5
I had an excellent experience working with Maksim from Orion Financial for my mortgage needs. He was highly knowledgeable, patient, and guided me through every step of the process with clarity and professionalism. Maksim secured a great rate for me and ensured everything went smoothly from application to closing. I would highly recommend Maksim and Orion Financial to anyone looking for a reliable and efficient mortgage agent.
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Adi B
Google star 1Google star 2Google star 3Google star 4Google star 5
We are extremely happy with Maksim and his team. They have been very professional and supportive throughout the process and provided expert solutions whenever needed. Liza has been responsive and accessible and she would follow up with us immediately be it via email or phone call to provide clarification on any documents or additional information that were requested. I would highly recommend this team!
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Lucy C
Google star 1Google star 2Google star 3Google star 4Google star 5
Maksim and his colleagues are fantastic! Very knowledgeable, with attention to details and will go extra mile for you. There are so many options these days but I can only trust them with my mortgage. I’m so happy with their service. Thank you!
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Paul K
Google star 1Google star 2Google star 3Google star 4Google star 5
Maksim and his team were incredibly professional and quick to respond. Any questions we had they were very patient and explained the process very well. Would recommend and use again in the future.
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Andrew T
Google star 1Google star 2Google star 3Google star 4Google star 5
I’ve had the pleasure of working personally and through clients with Maksim and his team. The best of the best. Incredibly professional, resourceful and most importantly, they always close the deal. Very professional and highly recommended.
COMMON QUESTIONS

Frequently Asked Questions

Everything you need to know about our home equity solutions.