Access your Toronto home equity without an income check.*
Toronto is Canada's financial capital, and its homeowners still hit bank politics; Nuborrow, working as a mortgage brokerage, turns home equity into second mortgages, refinances or a home equity line of credit instead. *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.
- Saved by Ontario homeowners
- $2.5M+Saved by Ontario homeowners
- See credit improvement
- 97%See credit improvement
- Lenders accessed
- 30+Lenders accessed
- To get approved
- MinutesTo get approved
There's serious equity sitting in Toronto homes. Reaching it is the hard part.
One bank, one no, six figures on the table.
You could be sitting on six figures of equity, and a single lender's decision is still the only answer you've heard.
Paperwork built for someone else's file.
Bank statements and appraisals pile up, and three weeks later you're still waiting on a single quote.
Rate shopping alone doesn't work.
Calling five banks to compare five different answers isn't a plan, it's homework nobody assigned you.
Hundreds of Ontario homeowners have already priced their equity this way instead of taking one bank's word for it.
A different way to put Toronto home equity to work.
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 Toronto's population passed 2.79 million in the last census, inside Canada's financial capital. The Toronto Stock Exchange operates downtown, all five of the country's biggest banks run their head offices here, and technology, life sciences, film production and fashion round out the rest of the economy. None of that shows up on a mortgage renewal notice. What shows up instead is a five-year fixed term due for renewal at a payment nobody budgeted for, or one lender deciding your income doesn't fit their model even though your property has carried real value for years. A city with this much financial depth produces six-figure equity positions that are supposed to be assets and instead become waiting games. Getting a real answer on what that equity is worth, priced against more than one lender, is a different exercise than waiting on a single bank's underwriting team.
THE NEW WAY Applying takes minutes online, and from there your file gets priced against more than 30 lenders instead of just the one you've been banking with for years. If refinancing your mortgage makes more sense than a home equity line of credit for your numbers, you'll see both laid out before deciding anything. There's no branch to visit anywhere in the city; the whole thing runs on whichever of call, text or email you answer fastest.
What our clients say
Real Toronto homeowners. Real results.
- No cost to check your options
- No impact on your credit score
- No obligation until you're ready
Working with Nuborrow's brokers gives Toronto homeowners a specific set of things in return.
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.
Not sure where your credit stands? Toronto homeowners can check for free in minutes.
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, and that's by design. Every Nuborrow file runs through one head office in Vaughan, whether the homeowner is in North York or downtown, with brokers reachable by phone, text or email, evenings and weekends included. Document review and signing happen the same way for everyone, no branch, no waiting room.
It depends on which product fits. Certain equity-based loans priced under 50% of your home's value skip income and credit checks completely, since the home itself is the security. A better score just means access to a wider pool of lenders and stronger pricing. Try the free Credit IQ tool first, which estimates your FICO-style number without ever pulling your credit.
Not without comparing it first. Toronto homeowners are part of a large wave of renewals coming due at higher payments than the terms they're replacing, and your current bank has no reason to shop the market on your behalf. Before signing anything, price out a renewal with a different lender, a refinance to fold other debt into one payment, and a second mortgage that keeps your current rate exactly where it is, all across 30-plus lenders at once.
Refinancing typically allows you to borrow up to about 80% of your home's value, minus what's still owed on your existing mortgage. Equity-based products that skip income and credit checks entirely are capped lower, generally under 50% loan-to-value. Exact numbers depend on the property and the product, and getting a quote doesn't cost anything or commit you to anything.
All of them. That includes high-density areas like North York, which counted more than 683,000 residents in the last census, and Scarborough, which counts close to 630,000, both folded into the amalgamated city back in 1998. The historic core of Old Toronto is covered the same way. Because everything runs virtually, where you live inside the city doesn't change how quickly you get an answer.