Home Equity Line of Credit

Home Equity Line of Credit (HELOC) in Canada

With a Home Equity Line of Credit (HELOC), you can access your home’s equity while keeping flexible control over your mortgage. Split your loan into fixed and variable portions to balance stability with opportunities for lower rates—so your financing works the way you need it to.

Access up to 65% of your home’s value with a HELOC, while keeping your total mortgage plus HELOC under 80% of the property’s value—for an $800,000 home, that’s $520,000 available through a HELOC.

Pay down your mortgage faster and keep funds flexible. A HELOC grows your available credit as you repay, providing a financial cushion for renovations, investments, or unexpected costs.

Your home equity isn’t just sitting idle—it’s a powerful financial resource that can grow and work for you.

Ready to apply for a HELOC? Talk to one of our mortgage agents.

What Is a HELOC — and Why Choose One?

Think of a HELOC as a flexible, home-backed line of credit. You can borrow, repay, and borrow again without reapplying, making it perfect for ongoing expenses instead of a single lump sum.
  • Renovations and value-added upgrades
  • Investment opportunities or down payments
  • Education and major life events
  • Consolidating high-interest debt into a lower-cost plan
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Here is how we helped

They used a HELOC to access funds in stages—for design, permits, and construction—while keeping their low-rate first mortgage intact. Interest was only charged on the amount used, ensuring smooth progress, predictable cash flow, and added long-term value to their home.

What Are the Risks?

  • Your home is your security — missed payments put it at risk.
  • Variable rates can fluctuate — plan for changes in prime.
  • Discipline is key — revolving access requires a clear strategy.
We’ll help you set smart guardrails — like automatic transfers, payoff timelines, and conversion options — so your HELOC supports your future rather than creating risk.

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Ready to Get Started?

Embark on your mortgage journey today. Let us guide you through tailored solutions and expert advice, ensuring you secure the perfect mortgage for your needs.

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Our mission is to demystify the mortgage journey, making it accessible and clear. We empower you with informed decisions, ensuring you make the smartest choices for your future.

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Experience

With 8 years of hands-on experience in the mortgage industry, successfully navigate the home financing process with confidence. From first-time buyers to seasoned investors, we bring deep market knowledge and reliable guidance at every stage of the mortgage journey.

Client-Centric Approach



We’ve proudly supported 100+ by simplifying the mortgage process, offering tailored financing solutions, and providing clear, transparent guidance at every step. Our focus is always on building long-term trust and delivering a smooth client experience

Proven Results

Our track record of securing over $540 million in financing speaks to our commitment to empowering clients with smart choices for their home financing needs.

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Ready to take the first step towards your mortgage goals? Reach out to us by filling out the form below, and our experts will be in touch to discuss your personalized mortgage needs.