Owe the CRA? Clear It With Your Home Equity.
CRA debt compounds fast and can become a lien on your home. Pay it off in full from your equity and stop the interest. Any credit, self-employed welcome, funded in 24–72 hours.
🏠 How much can you access to clear arrears?
Owe the CRA? Your home equity can wipe it out.
Canada Revenue Agency debt is unlike most debt: it compounds with interest and penalties, and the CRA has powerful collection tools — it can register a lien against your property, issue a requirement to pay, freeze accounts, or garnish income, often without going to court first. Using your home equity to pay the CRA in full stops the interest, removes the threat of a lien, and gets you back to clean standing.
How CRA collection escalates
CRA debt rarely stays quiet. Acting before a lien is registered keeps the most options open.
Balance Owing
Interest compounds daily on the unpaid amount, plus late-filing penalties.
Demand Letters
The CRA requests payment and may propose a payment arrangement.
Lien on Title
The CRA can register a certificate in Federal Court that becomes a lien on your home, blocking refinance or sale.
Enforcement
Requirements to pay, frozen accounts, or wage/income garnishment can follow.
Cleared From Equity
We pay the CRA in full from your equity at closing — stopping interest and lifting the lien.
General information only, not tax or legal advice.
A CRA lien blocks the bank. It doesn’t block us.
Once the CRA registers against your property, traditional lenders won’t touch the file. We work with alternative and private lenders who approve on equity and can arrange for the CRA balance to be paid directly from the loan proceeds at closing — clearing the debt and the lien together, even with bruised credit or self-employment income that banks won’t accept.
Serving homeowners across Ontario, Alberta & Saskatchewan — including Toronto Mississauga Brampton Calgary Edmonton and many more.
Related arrears help
Not quite your situation? Jump to the right page.
Mortgage Arrears Overview
Every arrears situation and how home equity solves it.
See the overview →Property Tax Arrears
Clear unpaid municipal taxes before a tax sale.
Learn more →Stop Power of Sale
Served a Notice of Sale in Ontario? Stop it in time.
Learn more →Stop Foreclosure
Reinstate or pay out before judicial sale (AB & SK).
Learn more →Can your equity clear your arrears?
Move the sliders to see how much you could access — and whether it covers what you’re behind.
Include missed mortgage payments, property tax arrears, CRA debt, and any other amounts you need to catch up.
Your options compared
When you’re in arrears, doing nothing is the most expensive choice.
Do nothing
- Penalties & interest keep growing
- Legal action proceeds
- Risk of losing the home
- Major credit damage
Sell the home
- You lose your home
- Rushed sale = lower price
- Moving costs & disruption
- May still owe a shortfall
Bankruptcy / proposal
- Severe credit damage (up to 7 yrs)
- Trustee involvement
- Doesn’t always save the home
- Last resort if no equity
Equity solution
- Keep your home
- Arrears paid, sale stopped
- Funded in days, fully digital
- Credit can start to recover
The solutions we use to clear arrears
The right fit depends on your equity, your existing mortgage, and how fast you need to move.
Second Mortgage
Pay the arrears without disturbing a good first-mortgage rate. Fast, equity-based approval.
Home Equity Loan
Clear arrears and consolidate other debt in one shot, secured by your equity.
Refinance
Roll the arrears into a new mortgage and reset your payments around your situation.
Private Mortgage
When time is critical, private lenders approve almost entirely on equity — often in days.
Trusted by homeowners across Ontario, Alberta & Saskatchewan
★★★★★ 5.0 average — real Google reviews from CreditReboot clients
“We were hit with an unexpected financial rough patch and our regular bank wasn’t wanting to help us. One quick email to CreditReboot resulted in an immediate response with options available to us. Parm quickly set us on the right path.”
“Among all the brokers I’ve worked with over the years, Parm at CreditReboot is at the top. I was put into a tricky situation and other brokers had failed to deliver, but Parm helped me out of it and got me a better deal at every turn.”
“Parm was super knowledgeable and really helped us when we were in a pinch and needed a quick close. He made our stressful situation much more manageable. Would highly recommend!”
“I was in a total bind looking to get a home equity loan against my property in Alberta, even after letdowns from a couple of lenders and the banks. Parm worked tirelessly to find me a lender tailored to my needs — by far the best I’ve worked with in a difficult situation.”
“This review is way overdue. You will not be disappointed with Parm — extremely friendly, very knowledgeable, always answering any questions or concerns. You’re always kept in the loop. I’d definitely work with him again.”
“We value the quality of Parm’s service. He was very approachable, knowledgeable and professional. It was almost hard to believe it all went this smoothly. He was quick to respond when needed. We recommend him to everyone.”
Honest guidance, not just a transaction
We arrange financing up to 80% loan-to-value and leave meaningful equity in place as a buffer. Every cost — interest rate, lender fee, broker fee, legal and appraisal — is disclosed in writing before you commit. And if a loan isn’t the right answer, we’ll tell you. Sometimes a payment arrangement with your lender or municipality serves you better.
From crisis to recovery
Missed payments, mounting penalties, legal action looming.
Arrears paid, sale stopped, one manageable payment. Credit starts to recover.
Back on track and eligible to refinance to prime A-lender rates.
Learn more
Helpful reading from our team while you decide your next step.
Stop the CRA interest. Clear the debt for good.
Apply online and we’ll review your equity and arrange a solution to pay the CRA in full — often approved in as little as 24 hours. No obligation, no upfront fees.
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