Your equity, available when you need it.
A home equity line of credit turns built-up equity into flexible, revolving capital — you pay interest only on what you actually draw. We structure it against the right lender program and the right limit for your plans.
- Licensed FSRA brokerage
- Interest only on what you draw
- Up to 65% LTV standalone
What people use a HELOC for.
Renovators
You want capital available as a project unfolds, drawing only as costs land — not a lump-sum loan sitting idle.
Investors
You use home equity as a flexible source of down payments or opportunistic capital, repaid and redrawn as deals cycle.
Cash-flow managers
You want a standby buffer for irregular income or large periodic expenses, without carrying a balance you do not need.
Debt restructurers
You want to consolidate higher-interest debt into a lower-rate, flexible facility you control month to month.
Revolving, flexible, and interest-only on the draw.
A HELOC is the most flexible way to borrow against your home.
Unlike a fixed loan, a HELOC is revolving: you are approved for a limit, draw what you need, repay it, and draw again. You pay interest only on the outstanding balance — so an unused limit costs you nothing.
The structure matters. A standalone HELOC can go up to 65% of your home value; combined with a mortgage in a readvanceable product, total borrowing can reach 80%. We match the structure to how you actually intend to use the funds.
How a line of credit on your home works.
A HELOC is revolving credit secured by your home. You’re approved for a limit, draw what you need, repay it, and draw again — and you pay interest only on the balance you’ve actually used, so an unused limit costs nothing.
The structure matters. A standalone HELOC can reach up to 65% of your home’s value; combined with a mortgage in a readvanceable product, total borrowing can reach 80%, with the revolving portion still capped at 65%.
We match the structure to how you actually intend to use the funds — a standby buffer behaves very differently from capital you’ll draw and repay as deals cycle.
Run your numbers in the calculatorYou want flexible access, not a lump sum
Capital available as you need it — ideal when costs land over time rather than all at once.
Your costs unfold gradually
A renovation paid in stages, or investment capital drawn and repaid as opportunities appear.
You want a standby buffer
A safety net for irregular income or periodic expenses, with no cost until you draw on it.
- You need a single fixed lump sum once — a refinance or term loan is cleaner for that.
- You’ve built little equity yet — the available limit may be too small to be useful.
- You want a fixed, predictable payment schedule — a HELOC’s variable, revolving nature won’t suit you.
From equity to an open limit.
We confirm your available equity and set up the right facility.
Intake
Your home value, current mortgage, and how you plan to use the line.
Structure
Standalone or readvanceable — matched to your usage and the best lender program.
Approval
Appraisal and lender approval confirm your available limit.
Access
Your line is registered and open — draw and repay as you need.
What you need now, and what comes later
You only need the first group to start. We request the rest as your file progresses — and we tell you exactly when.
Get the full document checklist
See exactly what we’ll ask for — grouped by when you need it, with what’s required vs. situational clearly marked. We’ll email you a branded PDF you can keep and work from.
A HELOC typically requires an appraisal to confirm current value and available equity. We flag that at intake.
How long it takes
- 01
Intake to options: 48-72 hours
With your property and mortgage details, we return structured options within two to three business days.
- 02
Approval to registration: 2-3 weeks
Appraisal, lender approval, and lawyer registration drive the timeline.
- 03
Ongoing access: revolving
Once registered, draw and repay freely within your approved limit.
Questions buyers ask
How much can I borrow with a HELOC?
A standalone HELOC can go up to 65% of your home value. In a readvanceable product combined with a mortgage, total borrowing can reach 80% of value — with the revolving HELOC portion still capped at 65%.
How is HELOC interest charged?
You pay interest only on the amount you have actually drawn, not your full limit. An unused HELOC costs nothing. Rates are typically variable, tied to the prime rate.
What's the difference between a HELOC and a home equity loan?
A home equity loan is a one-time lump sum repaid on a fixed schedule. A HELOC is revolving — you draw, repay, and redraw within a limit, paying interest only on the balance. A HELOC is far more flexible; a loan is more structured.
Can I get a HELOC if I still have a mortgage?
Yes. A readvanceable mortgage combines a mortgage and a HELOC under one registration, with the HELOC limit growing as you pay down principal. A standalone HELOC can also sit behind an existing mortgage, subject to the combined LTV limits.
Do HELOCs affect mortgage qualification later?
Yes — lenders count your HELOC limit (and sometimes a stress-tested payment on it) in your debt-service ratios, even if your balance is zero. We factor that into any future financing plans.
Put your equity to work, on your terms.
Start your HELOC application. About 10-12 minutes.
Apply for a HELOC