Your Vaughan home equity is real money. Time to use it.
What's a home in Vaughan actually worth once you count the equity sitting on top of the mortgage balance? Nuborrow, a mortgage brokerage, turns that value into a refinance, a line of credit or a second mortgage for Vaughan homeowners. *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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Vaughan homeowners hold real equity. One underwriter's opinion doesn't have to be final.
A big number, a small answer.
Substantial equity in your home doesn't stop a single bank from saying no based on one narrow file review.
More income sources, more forms.
Business income, investment property or a corporate structure can turn one application into a pile of extra paperwork.
Shopping lenders solo takes forever.
Five banks will hand you five differently shaped offers, none of them lined up for a fair comparison.
That single decision doesn't have to stand; the same file, put in front of more than 30 lenders, tends to find the ones most likely to say yes.
Vaughan's growth numbers hide the equity homeowners are already sitting on.
THE OLD WAY The traditional route asks you to earn your money twice. Once building the equity, then again proving to a bank that you deserve to use it. Plenty of good homeowners fail that second test.
THE SHIFT The real number is bigger than what shows up on a mortgage statement, and Vaughan homeowners have more of it than most. The city ranks as the GTA's third-largest employment centre, counting more than 12,000 businesses and about 222,000 jobs as of 2018, with manufacturing alone holding 22% of that employment and names like Canada's Wonderland, UPS Canada, CN Rail and KPMG based here. That growth isn't recent. Vaughan became a city in 1991 and then posted Ontario's fastest municipal growth rate of the era, 80.2% between 1996 and 2006, a pace few Ontario municipalities have matched before or since. Property values climbed right along with it, and plenty of local mortgages were signed well before that curve leveled off. A single underwriter's checklist wasn't built to capture a city that grew this fast. Comparing 30-plus lenders instead of settling for one gives that equity an actual shot at a yes.
THE NEW WAY The application lives online, and it takes minutes, not weeks. From there, Nuborrow runs your numbers against thirty-plus lenders to see which path pays off, refinancing your mortgage at a new rate, or drawing on a home equity line of credit while your current mortgage stays untouched. A broker works around your calendar rather than the reverse, in Woodbridge just as much as in Thornhill near the Markham line. There's no branch to visit, and nobody's office hours to plan your evening around.
What our clients say
Real Vaughan homeowners. Real results.
- No cost to check your options
- No impact on your credit score
- No obligation until you're ready
Here's what changes when Vaughan homeowners bring in a mortgage 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.
Your credit score in Vaughan probably matters less than you'd guess. Check it 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.
Technically, yes. Nuborrow's head office sits right here in Vaughan, though it isn't a walk-in branch and nobody books an in-person appointment there. Your file still gets handled the same virtual way it would anywhere else in Ontario, by phone, text or email, on evenings and weekends if that's when you're free.
Start with the free Credit IQ tool, which estimates your score FICO-style without a credit pull, so you know where you stand before applying. From there, it splits by product: equity-based options under 50% loan-to-value need no credit or income proof at all, priced purely on the home. Everything above that threshold benefits from a stronger score, mainly by qualifying for a wider slice of Nuborrow's 30-plus lender network.
Whatever number your bank sends first is just one quote among many. A different lender might beat it outright at renewal. Debt sitting elsewhere might be cheaper folded into a refinance than paid separately. Or your existing rate might be worth protecting with a second mortgage instead of touching it at all. Which applies depends on your file, and Nuborrow can tell you which one before the deadline hits.
Two different ceilings apply, depending on the route. A standard refinance tops out around 80% of your home's value, minus what you owe. Skip the income and credit checks entirely and the cap drops to under 50% loan-to-value instead. Your property and your goals decide which lane you're in, and pricing it out is free.
Woodbridge, Thornhill and everywhere between them in Vaughan are covered, and so is the rest of York Region beyond city limits. That list runs to Markham, Aurora, Richmond Hill, King, Newmarket, Georgina, East Gwillimbury and Whitchurch-Stouffville. A virtual process means a homeowner in any of those places waits the same amount of time for an answer.