Home Equity Line of Credit (HELOC) in Ontario
Flexible, revolving access to your home's equity — borrow only what you need, when you need it.
A HELOC turns your home equity into a flexible line of credit you can draw from, repay, and reuse. Pay interest only on what you use, at rates far below credit cards. It's ideal for renovations, an emergency fund, tuition, or bridging an investment — and I'll find the lender with the best terms and the lowest rate.
What you get
Borrow up to 65% standalone
Access up to 65% of your home's value as a standalone HELOC, or up to 80% combined with a mortgage.
Interest only on what you use
Your balance and payment flex with your needs — draw, repay, and redraw as often as you like.
Rates below credit cards
HELOC rates are a fraction of typical credit-card rates, making it a smart tool for larger expenses.
Always ready
Set it up once and keep it on standby — perfect as a low-cost emergency or opportunity fund.
Simple, from first call to close
We confirm your available equity and the right HELOC structure for your goals.
I match you to a lender with strong terms and a competitive rate.
Your line is set up and ready to draw whenever you need it.
Common questions
How much can I borrow with a HELOC?
Up to 65% of your home's appraised value as a standalone HELOC, or up to 80% when combined with a mortgage portion.
How is a HELOC different from a refinance?
A refinance gives you a lump sum on new mortgage terms; a HELOC is revolving credit you draw from as needed and only pay interest on what you use.
Do I have to use it right away?
No. Many clients set up a HELOC as a standby fund and only draw on it when an expense or opportunity arises.
Other programs
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