At Equity Rich, we believe that owning a home or investing in property shouldn’t be out of reach because of income statements or credit scores. That’s why we offer equity-driven residential mortgage solutions across the Greater Toronto Area. Whether you’re buying your first home, moving up, or refinancing, we focus on what matters most: your property’s value.
Forget traditional roadblocks. Our lending is flexible, fast, and built around your equity, not your age, job, or financial history. With residential mortgages tailored to your unique situation, we help open the door to real estate ownership on your terms.
In simple terms, a residential mortgage is a loan you take out to buy or refinance a home, using the property itself as collateral. It could be a condo, a single-family home, or a multi-unit building; if it’s residential, it qualifies. Now here’s where we’re different: while banks zero in on credit scores and proof of income, Equity Rich takes a more flexible approach.
We base our decisions on the value of your home, not your financial past. That means no income requirements, no age limitations, and no need for a perfect credit score. With loan-to-value (LTV) ratios of up to 75% and options for first and second mortgages, we provide financing solutions that traditional lenders often can’t match.
Don’t let your credit history or income hold you back. Our equity-first model is ideal if you’re self-employed, recently moved to Canada, retired, or rebuilding after financial struggles.
Tap into as much as 75% of your home’s value. Whether you’re looking to buy, consolidate debt, or invest in something new, our lending model gives you the flexibility to do more with your equity.
Need more than one financing layer? We’ve got you covered. From first mortgages to second mortgage solutions, we help you build a plan that fits your financial picture.
Skip the paperwork marathon. Our process is quick, our requirements are simple, and approvals are typically much faster than with traditional lenders.
Buying a new home? Renewing your mortgage? Renovating? Taking out equity for something personal? Whatever your situation, our residential mortgages are built to adapt to your goals, not box you in.
The first step is assessing your home’s current market value. Since our loans are equity-based, this is what determines how much you can borrow.
No complicated forms. Just tell us about your property; no credit checks or income statements are required. If you qualify, we’ll send over a personalized offer that’s clear and competitive.
Depending on your needs, you’ll receive funds in either a first or second mortgage position. This flexibility gives you room to structure your finances smartly.
Once approved, it’s your equity; use it your way. Buy a home, pay off debts, renovate, or invest. We don’t restrict how you put your funds to work.
We’ll tailor your repayment plan to suit your cash flow and timeline. No rigid rules. Just real solutions designed around you.
Choosing Equity Rich means working with a lender who sees the value in your property, not just your financial history. We specialize in private mortgage lending across Toronto and the GTA, helping people who are often overlooked by the big banks. Whether you’re self-employed, new to the country, in retirement, or dealing with a unique financial situation, we’re here to help.
Our loans go up to 75% LTV, and we offer both first and second mortgage options with no minimum credit score. We also know the GTA market like the back of our hand. From Toronto and Mississauga to Brampton, Vaughan, and Scarborough, we build our solutions to fit your property, your city, and your goals.
Contact us today to explore how our residential lending solutions can help you buy, refinance, or invest with confidence.
Let us help you unlock the value of your property with a residential mortgage that works for you.
EquityRich.ca is a Canadian entity, operating as a referral institution. Mortgage Agents and Brokers represent Everything Mortgages (FSRA #12755)
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