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Mortgage products Mortgages built for real life

No matter your circumstances, we’ll work hard to craft a solution that meets your unique needs—and make your dream home a reality.

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You’re more than a credit score

Everyone’s needs are different, so we lend differently. Whether you're self-employed, new to Canada, have limited credit history, or looking to invest, we tailor solutions that look beyond traditional lending to help you reach your homeownership goals.

From buying to renewing and refinancing, we offer a range of residential mortgage products, including:

  • Fixed rate mortgages
  • Adjustable rate mortgages
  • Reverse mortgages
  • Home equity line of credit (HELOC)
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Residential mortgages

We’re proud to offer Canadians from all walks of life the possibility of homeownership.

Our solutions are ideal for those who may not fit into the conventional bank lending box:

  • Self-employed
  • Limited credit history
  • Newcomers to Canada
  • Rental property investors
  • Foreign income earners
  • Contract employees
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Home equity line of credit (HELOC)

Now with new lower rates and higher credit limits, our HELOC offers easy access to funds from the equity in your home for whatever you may need, whenever you need.

  • Offered in conjunction with an Equitable Bank mortgage product or as a standalone product
  • Can be considered for owner-occupied or investment properties
Learn more about HELOC

Our HELOC is not available in Quebec.

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Reverse mortgages

Retired and want to stay in the home you love? Our reverse mortgages offer a simple way to unlock tax-free cash from your hard-earned home equity—with no monthly payments required.

Explore reverse mortgages

Commercial lending

Need a commercial mortgage? Whether you’re a start-up or big business looking to purchase, invest, or refinance, our commercial lending team will work to find the best solution for you.

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Find a mortgage broker today

As Canada’s Challenger BankTM, our mortgages are available solely through professional mortgage brokers. With their deep market expertise, they do the leg work to find the best match for your needs.

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