Markham home equity, turned into money you can use.
Banks look at your last two pay stubs. Nuborrow looks at what your Markham home is actually worth, and arranges refinances, second mortgages and home equity lines of credit against that value as an Ontario mortgage brokerage. *Under 50% LTV, no income or credit requirements on some products; based only on the equity in your home, not your credit profile. Some conditions apply.
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- 30+Lenders accessed
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- MinutesTo get approved
Markham homeowners carry serious equity. One bank's underwriting doesn't always see it.
One bank, one verdict.
A six-figure equity position doesn't guarantee a yes. One underwriter's risk model can still hand you a flat no.
Files built for something simpler.
Layered income, investments or a corporate structure often means extra forms most applications never see.
Comparing lenders is its own project.
A quote you got Tuesday can be stale by Friday, and no single bank will tell you where it stands against the market.
A single lender's opinion isn't the end of the conversation when 30-plus others have never seen the file.
Markham's home values, and what one bank's file review misses.
THE OLD WAY Banks have one playbook for home equity. Prove your income, defend your credit history, wait weeks for a committee you will never meet, and hope nothing on the file raises an eyebrow.
THE SHIFT A bank sees one income statement. Nuborrow sees a home in a city that calls itself Canada's High-Tech Capital, where more than 1,000 technology and life-sciences firms employ over a fifth of the workforce. IBM is the top employer, and Honda, Hyundai, Oracle and Toshiba all run their Canadian head offices here. Markham got its start when William Berczy surveyed the township in 1793 and led German families north from New York to settle it, and Pennsylvania Dutch Mennonites arrived a decade later to found what became Reesorville, renamed Markham in 1825. The town incorporated only in 1971 and didn't reach city status until 2012, a slow civic catch-up to population growth that had already happened. Homeowners who bought in along the way, in Unionville's heritage streets or in newer subdivisions built during the tech boom, often carry equity a single bank's file review can't fully account for. Nuborrow prices that equity across more than 30 lenders instead of one underwriter's opinion.
THE NEW WAY Start with a short online application, no branch visit required. Nuborrow then prices your file against 30-plus lenders and lays out whether refinancing your mortgage or a home equity line of credit gets you further, side by side, with dollar figures side by side. Everything happens by phone, text or email, evenings and weekends included, from Unionville's Main Street to Thornhill near the Vaughan line. No office to drive to, no loan officer's calendar to work around.
What our clients say
Real Markham homeowners. Real results.
- No cost to check your options
- No impact on your credit score
- No obligation until you're ready
What Markham homeowners get from working with a Nuborrow broker.
Know your number in minutes.
Our free Credit IQ tool gives you a FICO-style estimate of your score with no credit pull, before any lender sees your name.
See every option before you choose.
We show you how your application stacks up with over 30 lenders, so you're comparing real offers instead of guessing.
Approved based on your home, not your credit.*
On qualifying equity-based products, the property does the talking. The same asterisk terms as above apply.
A plan behind the loan.
Every client leaves with a road map for the borrowed money, because borrowing without a plan is how equity gets wasted.
See what your credit score means for a Markham equity file, free.
A detailed estimator based on the official FICO® scoring factors — no credit pull required. Answer all sections for the most accurate estimate.
Frequently asked questions
Home equity questions, answered.
No, by design. Nuborrow works out of a single head office in Vaughan and treats every Ontario homeowner the same way, reachable by call, message or email whenever weekday evenings or weekends suit you. Applications, documents and signing all happen remotely, with nobody driving anywhere to meet a broker face to face.
That depends heavily on which product fits your file. Some equity-based options, capped under 50% loan-to-value, skip credit and income checks entirely because the home itself carries the approval. Outside that bracket, a stronger score widens which of Nuborrow's 30-plus lenders will consider you, and usually sharpens the rate too. The free Credit IQ tool below gives a FICO-style estimate without touching your actual credit report, worth running before you apply for anything.
A renewal letter is a starting offer, not a final one. Before signing, it's worth seeing what a different lender would charge for the same mortgage, whether folding other debt into a refinance changes the math, or whether a second mortgage alongside your current rate makes more sense. Nuborrow runs all three scenarios through its lender network so the comparison happens before your renewal deadline, not after.
Every route has a ceiling; the product determines where it sits. Refinance and you can generally reach about 80% of the home's value, less your current balance. Want to skip credit and income checks completely? Products built that way cap out under 50% loan-to-value instead. Either path starts with a free, no-obligation quote.
Every part of Markham, including Unionville's heritage core and Thornhill near the Vaughan line. Beyond the city, Nuborrow also works across Richmond Hill, Newmarket, Aurora, Vaughan, King, Whitchurch-Stouffville, East Gwillimbury and Georgina. Distance doesn't change the timeline here, since the entire process runs over phone, text and email regardless of which of these communities you're in.