HELOC
Home Equity
Line of Credit
Your home has built up equity. A HELOC lets you access it at the lowest rates available — borrow what you need, when you need it.
HELOC Eligibility Check
See how much you can access
Free analysis · No obligation
Why a HELOC
Your equity.
Your money.
Home Renovations
Invest in your home's value. HELOC rates are much lower than credit cards or personal loans.
Debt Consolidation
Pay off high-interest debt with one lower HELOC payment. Simplify your finances.
Emergency Fund
Set up a HELOC you don't use. It's there when you need it — no fees if you don't borrow.
Investment Property
Use HELOC funds for a rental property down payment. The interest may be tax-deductible.
Lowest Rates
HELOC rates are typically prime + a small margin — much lower than unsecured credit.
Flexible Access
Borrow, repay, borrow again. Use a HELOC card or online banking. No reapplying needed.
Calculate Your Equity
How much can
you access?
HELOC Calculation Example
*Actual amount depends on your lender and situation. Get a free assessment.
Testimonials
HELOC clients
who accessed equity.
“Got a HELOC for my renovation at a rate far better than my bank offered. Highly recommend!”
Karen W.
Oshawa
“Used my HELOC to consolidate credit card debt. One payment at a fraction of the interest rate.”
David T.
Ajax
“Refinanced to consolidate debt and access equity for a renovation. The team shopped the entire market.”
Jennifer L.
Oshawa
FAQ
HELOC questions.
Ready to access your equity?
Get a free HELOC assessment. We'll show you how much equity you can access and at what rate.