Home Equity Line of Credit
Your equity,
on standby.
A flexible line of credit secured by your home up to 65% of value, prime-based rates, interest-only payments, draw what you need when you need it.
Why this matters
A HELOC is the Swiss Army knife of home financing: renovation fund, investment account, emergency reserve, business capital, or down-payment source for the next property. We structure HELOCs alongside or instead of traditional mortgages depending on what serves you best.
Free 15-minute strategy call
No credit pull. No pressure. Just a clear answer to "what's actually possible for me?"
- What you get
Built around your numbers.
Up to 65% LTV
Combined with your mortgage, total borrowing can reach 80% of home value.
Pay interest only
No principal payments required — pay back at your pace.
Re-borrow as you repay
Unlike a refinance, paid-down funds become available to draw again.
Best-in-class rates
Prime-based pricing, dramatically cheaper than credit cards or unsecured lines.
- How it works
A calm, four-step path forward.
01
Equity assessment
02
Structure: standalone or hybrid
Pure HELOC, mortgage + HELOC combo, or readvanceable mortgage each has trade-offs.
03
Approval & registration
04
Draw on demand
Online transfer or cheque funds available within minutes.
- Home Equity Line of Credit
Unlock your equity
- Common questions
Real answers,
no fine print.
Don’t see your question?
- Ask us directly.
Refinance gives a lump sum at a fixed rate. HELOC gives flexible access at a variable rate. We model both for your situation.
Yes and the interest may be tax-deductible if used for income-producing investments. Talk to your accountant; we'll set up the structure.
No they float with prime. This is a feature (low when rates are low) and a risk (rises when rates rise). We discuss timing carefully.
Ready to know your true number?
Fast. Free. No credit pull required.