How much of your home's equity can you use?refinance, HELOC or second mortgage
Pick what you want to do, answer 3 or 4 quick questions, and see your number. About 60 seconds. No credit check.
How much of your home's equity can you use?
60 seconds · No credit check · FSRA licensed
Refinance, HELOC or second mortgage
Same equity, different tools. We compare all three across 50+ lenders and show you which one fits.
Refinance
Replace your mortgage with a new one for a larger amount. Often the lowest rate, and the cleanest at renewal, when there's no penalty to break your current mortgage.
See my paymentHELOC
A line of credit secured by your home. Draw what you need, when you need it, and pay interest only on what you use.
See my equitySecond mortgage
A separate loan on top of your existing mortgage. Useful when breaking your current mortgage would cost more than it saves.
See my equityYour number first, then a real conversation
No jargon, no pressure. A clear picture before you talk to anyone.
Answer a few questions
What you want to do, your home and your mortgage. No credit check, no documents. Rough numbers are all we need.
See your estimate
The equity you may access, your estimated payment, or what you could free up each month.
Talk to a licensed broker
We check your real numbers, including any penalty and costs, and only recommend a route if it genuinely helps.
A broker, not a bank
Every option, side by side
Refinance, HELOC, second mortgage or reverse mortgage. We're not tied to one product or one lender.
Renewal without autopilot
Your bank's renewal letter is one offer. We compare it with 50+ lenders before you sign.
Honest, suitable advice
We show you the full cost, including penalties and a longer amortization, and only recommend it if it truly helps.
Fast, human follow-up
Submit your details and hear from a licensed broker in minutes, not days.
Questions homeowners ask
Will this affect my credit score?
No. Getting your estimate here does not affect your credit. No credit check is run. A full application later involves a credit review, and we'll tell you before that happens.
Should I use a HELOC, a refinance, or a second mortgage?
It depends on your rate, your renewal date and how much you need. A refinance usually wins on rate, a HELOC on flexibility, and a second mortgage when breaking your current mortgage doesn't make sense. That's exactly what we sort out on the call, and we're not tied to any one product or lender.
Will I pay a penalty?
At renewal, no. That's the cleanest moment to switch lenders or restructure. Mid-term, a penalty may apply, and we do that math for you first. If the savings don't clearly beat the penalty, we'll tell you to wait, or use a route that doesn't touch your current mortgage.
What does it cost to work with a broker?
In most cases our services come at no cost to you. We're typically paid by the lender when your mortgage funds. Many qualifying files are also eligible for a legal fee credit, an appraisal fee credit, or lender cash-back. We'll always be upfront about any exceptions, and about appraisal or discharge costs, before you commit to anything (O.A.C.).
How does a reverse mortgage work?
It's for homeowners 55 and older. You borrow against your home with no regular monthly payments; the interest is added to the balance, and the loan is repaid when you sell or move out. You keep ownership of your home. How much you can access depends on your age, your home and where it is. Daniel walks you and your family through it before anything is signed.
Your equity, your options. let's see your number
Get your free estimate in about 60 seconds.
See my number