Your home built the equity.
Now put it to work.
$250M+ in home equity unlocked for Canadian homeowners. Canada’s digital mortgage broker — 100% online, no branch visits.
🏠 How Much Could You Access?
$700,000
$300,000
$260,000
Estimates only. Actual amount depends on equity, property appraisal and lender.
Banks look at your credit.
CreditReboot looks beyond it.
One missed payment shouldn’t define your future. CreditReboot works with over 50 alternative and private lenders who consider your home’s equity and overall financial picture.
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Any credit score — including bruised credit
Credit score is not the deciding factor; your equity is -
Self-employed, gig workers & contract income welcome
Variable income, stated income, and business owners all qualify -
Minimum 20% equity in your home
We access up to 80% LTV — the more equity, the better your rate -
Homeowners in Ontario, Alberta & Saskatchewan
You own the home — that’s the foundation of your eligibility
Funded in Days.
What will you do
with your home’s value?
A home equity loan gives you a lump-sum at a fixed rate, secured by your property. Here’s how Ontario, Alberta, and Saskatchewan homeowners are using theirs.
Home Renovations
Kitchen, basement, addition, or backyard — renovations that increase your home’s value while you enjoy them. We fund in days, not months.
Avg. loan: $95,000–$180,000
Debt Consolidation
Combine high-interest credit cards and loans into one simple payment at a fraction of the rate. Stop juggling, start recovering.
Avg. savings: $1,200/month
Business Growth
Invest in inventory, equipment, or expand your business. Self-employed and incorporated borrowers approved on equity, not T4s.
Avg. loan: $80,000–$250,000
Investments
Expand your real estate portfolio or other opportunities. Use your primary home’s equity as a down payment on your next property.
Avg. loan: $150,000–$400,000
Life’s Big Moments
Education, weddings, medical costs, or unexpected expenses — when life requires a large sum quickly, your equity is the most cost-effective source available.
Avg. loan: $30,000–$100,000
Real homeowners.
Real results.
Every story is unique — but the thread is the same. These homeowners had equity they weren’t using. CreditReboot helped them use it.
The advantages of
an equity-based loan
Home equity financing gives you access to large sums at lower rates than virtually any other borrowing option — backed by an asset you already own.
Rates far below credit cards
Home equity loans start at 5.49% vs. 19.99–22.99% on credit cards. Same debt, a fraction of the interest.
Lump sum, fixed rate
Full amount upfront, predictable monthly payment. No variable surprises — budget with confidence.
Equity-based approval
Your home’s equity is the primary factor — not your credit score. Scores as low as 500 have qualified.
No restrictions on use of funds
Renovate, invest, pay off debt, fund a business — no approval categories, no restricted purposes.
Broker, not a lender
We shop 50+ lenders to find your best rate — we’re legally obligated to act in your interest.
No need to break your mortgage
A second-position home equity loan leaves your existing mortgage untouched — no IRD penalty.
Home Equity Loan vs. your other options
Not all borrowing is equal. See how a home equity loan stacks up against other common financing options available to Canadian homeowners.
| Feature | Home Equity Loan via CreditReboot ✓ Recommended |
HELOC | Mortgage Refinance | Personal Loan | Credit Card |
|---|---|---|---|---|---|
| Typical Rate | 5.49%–8.99% | Prime + 0.5%–2% | 4.99%–6.49% | 9.99%–19.99% | 19.99%–22.99% |
| Approval Time | 24–48 hours | 2–6 weeks | 4–8 weeks | 1–5 days | 1–3 days |
| Bad Credit Accepted | ✓ Yes | ✗ 680+ required | ✗ 680+ required | ⚬ Limited | ⚬ Limited |
| Self-Employed Welcome | ✓ Yes | ✗ 2yr T4 required | ✗ Often not | ⚬ Sometimes | ✓ Yes |
| Max Loan Amount | Up to $500,000 | Up to 65% LTV | Up to 80% LTV | Up to $50,000 | Up to $25,000 |
| Rate Type | Fixed | Variable | Fixed or Variable | Fixed | Variable |
| Breaks Existing Mortgage | ✓ No penalty | ✓ No penalty | ✗ IRD penalty applies | ✓ N/A | ✓ N/A |
The Digital CreditReboot Process
No branch visits. No waiting in line. No unnecessary paperwork. Just a simple digital process from start to funded.
Pre-Approval
Fill out this form, speak to a licensed CreditReboot broker, and get your personalized quote — all within 24 hours. No credit check required at this stage.
Application & Approval
Complete the full application. We shop your deal to 50+ lenders across our private and alternative lending network and present you with your best approval to choose from.
Funding
Sign the broker documents, complete the legal paperwork with a licensed lawyer or notary, and receive the funds directly in your account — typically within 3–5 business days.
