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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.

  • Free to use
  • No credit check in this form
  • No obligation

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?

Your home equity and debt reading guide

Start here, then explore the specific questions that matter to your situation.

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.