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Home-equity loans and refinancing in Canada

Explore borrowing secured against the equity in your home.

Find my home-equity options

Get your conversation guide before sharing contact details.

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  • No credit check in this form
  • No obligation

Editorial approval pending.

General information, not personal advice.

What to consider

Securing debt against a home introduces the risk of losing it if payments are not made.

Who can help?

Authorized mortgage lenders and brokerages. This describes a provider type, not a confirmed DebtHelpers partner.

Questions to ask

  • What fees and mortgage penalties apply?
  • How does this change the risk to my home?

MAKE THE CONVERSATION COUNT

Three things to have handy

  • 1Your mortgage balance and renewal date
  • 2An approximate home value
  • 3Questions about penalties, fees and security

A preparation guide, not an application checklist. Keep documents with you; this form does not ask for uploads or account numbers.

Let’s focus on your next step.

Get your conversation guide: who to speak with, what to ask and what to have handy. No contact details needed to see it.

Find my home-equity options

Check the source

FCAC: Home-equity borrowing

This brief is a starting point. Rules, availability and individual circumstances may change the options. The source link is an editorial reference, not a paid referral.

Related options

Home equity lines of credit

A revolving credit facility secured against a home.

Debt consolidation

Combine balances into a loan, line of credit or another suitable credit product.