Unlock Your Oakville Home Equity, Stress-Free
Renovations, tuition or debt consolidation, we turn your built-up equity into opportunity
Get Your Free Equity ReviewNo-hassle, No-obligation. Your info is safe, and you’re in control.
We work with clients from all across Ontario including, Oakville, Burlington, Mississauga, Milton, Hamilton, Oshawa, Brampton and all points in between.
Our Ontario Mortgage Lending Advantage
Fast & Easy
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Low Rates
Some of the lowest rates in Ontario
98%
would recommend us
No-Obligation
free, no-hassle conversation
Trusted by 1,100+ homeowners, just like you, from across Ontario
Put Your Equity to Work Without Leaving Oakville
Your house in Glen Abbey or River Oaks has likely appreciated more than you think, yet that value sits locked behind bricks and drywall. Our Oakville-based team shows you how to convert up to 80 percent of your home’s value into low-interest funds while keeping your existing mortgage intact.
Whether you dream of a gourmet kitchen makeover, covering your child’s first year at Sheridan College or wiping out high-interest credit cards, a home equity loan can be the smartest route. We compare fixed second mortgages and flexible HELOCs from 30+ Canadian lenders, then recommend the option that fits your budget and timeline.
The process is simple. We start with a five-minute discovery call, arrange a local appraisal so you get fair market value and handle every form with your lawyer. Most clients from Lakeshore Road to Dundas Street have cash in hand within two weeks. No bank lineups, no surprise fees, just transparent advice from neighbours who know the Oakville market inside out.
Chat With Our Equity TeamFAQs for Home Equity Loans in Oakville, Ontario
How do we know if we have enough equity to borrow?
We arrange a professional appraisal, then calculate your loan-to-value ratio. Most Oakville homeowners can borrow up to 80 percent of their property’s market value minus any outstanding mortgage balance.
Will tapping our equity affect property taxes?
No, property taxes are based on the Municipal Property Assessment Corporation’s assessed value, not your loan balance. Accessing equity simply changes how you finance that value, it does not trigger a reassessment.
How long does approval usually take in Oakville?
Once documents are in, local lenders typically issue a commitment within three business days. Funding follows about a week later, so the full timeline is usually 10 to 14 days from start to finish.
Can we keep our fixed mortgage and add a HELOC?
Absolutely, a stand-alone HELOC sits behind your current first mortgage, leaving its rate and term untouched. We help you structure payments so the two loans work together and fit your cash-flow goals.
What fees should we budget for when borrowing against equity?
Plan for an appraisal fee, legal costs and a one-time lender setup charge, together averaging 1.5 to 2 percent of the loan amount. We provide a written estimate upfront so you know the exact numbers before you sign.
Please note, it is always best to get in touch with us to make sure every specific question you have is answered directly for 100 percent accurate information.
Our Ontario Mortgage Service Areas
Oakville | Burlington | Mississauga | Milton | Hamilton, Oshawa, Brampton and all across Ontario!
