At Equity Rich, we believe there’s a smarter way to get approved for a mortgage; one that doesn’t revolve around rigid rules or traditional banking hurdles. As one of the leading alternative mortgage lenders in the Greater Toronto Area, we offer flexible, equity-based financing that puts the focus on your property’s value, not your income or credit score.
The process eliminates both paperwork requirements and extended waiting periods. Our alternative mortgage solutions help self-employed individuals, divorced people, retirees, and people who got rejected by a bank obtain real financial solutions for their actual needs.
Alternative mortgage lenders who operate under the names “B lender” or “private lender” function as financial supporters for borrowers rejected by banks. The lenders provide mortgage solutions beyond traditional banking institutions to serve borrowers who have non-traditional income sources, limited credit history, or special personal circumstances.
The Canadian financial system depends on these lenders to provide mortgage solutions for individuals who do not meet traditional banking criteria. Equity Rich operates with a completely equity-based lending system that does not need income verification or age requirements. If you have ever asked yourself, “Who are B lenders in Canada?” Other big names might appear. But our boutique-style service provides you with fewer requirements and more independence.
We look at the value of your property, not your pay stub. It’s a game-changer for retirees, entrepreneurs, or anyone in a transitional phase.
We offer some of the most competitive loan-to-value ratios in the country, up to 75% on both first and second mortgages.
Where banks require rigid credit and age criteria, we provide mortgage alternatives with no such restrictions.
Our process is streamlined and confidential. Get approved quickly and avoid the delays that come with big banks.
From alternative home financing to senior-focused options that work like a reverse mortgage, we create custom plans that make sense for your life.
We start by assessing your property’s current market value. This becomes the basis of your loan, not your credit score or tax returns.
We’ll guide you through a simple, transparent application process. No complicated forms or hoops to jump through, just clarity.
Choose between first or second mortgages, refinance options, or mortgage alternatives in Canada that allow interest-only payments or flexible terms.
Once approved, your funds are released promptly. This is ideal for time-sensitive purchases, renovations, or consolidating debt.
Our flexible terms mean you can tailor repayment to your financial comfort level while preserving your home equity.
At Equity Rich, we’re not just another alternative mortgage lender; we’re your partner in unlocking the financial potential of your home. Unlike larger B lenders that still rely on old-school rules, we focus entirely on your property’s value, offering more flexibility and fewer restrictions.
We understand that life doesn’t always fit into a box. That’s why we’ve designed our lending model to be just as unique as you are, with a strong focus on up to 75% loan-to-value on first and second mortgages, property-based approvals across the GTA and Ontario, and private, judgment-free support from start to finish.
Contact us today to learn more about alternative mortgages designed around your needs.
Discover the power of equity-based lending with Equity Rich’s solutions.
EquityRich.ca is a Canadian entity, operating as a referral institution. Mortgage Agents and Brokers represent Everything Mortgages (FSRA #12755)
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