Your home equity is a lifeline. Let's use it.
“I'm sitting on home equity but I can't seem to access it.”
Unlock the value you've built to consolidate debt, fund renovations, invest, or stabilize your finances. Compared across 70+ banks and lenders, judgment-free.
FSRA licensed · 70+ banks & lenders · 20+ years experience
Nine problems refinancing can solve
Whatever brought you here, rising costs, debt, a separation, a missed payment, there is almost always a path. These are the situations we work through every week.
Emergency Financing
Fast access to funds when life throws the unexpected at you, medical costs, urgent repairs, family emergencies.
Private Lending
Turned down by your bank? Private and alternative lenders approve based on your equity and your story, not just your credit score.
HELOC
A revolving line of credit against your home equity, draw what you need, when you need it, and pay interest only on what you use.
Second Mortgage
Access equity without breaking your existing first mortgage or losing a great rate you locked in years ago.
Bad Credit Solutions
Asset-based approvals that look at the equity in your home rather than fixating on your credit history.
Missed Payment Recovery
Strategic refinancing to bring accounts current, protect your credit and reset your monthly obligations.
Stop Power of Sale
Emergency intervention when a lender has started proceedings. Acting early preserves your equity and your options.
Tax Arrears & CRA Resolution
Use home equity to resolve income tax or HST arrears and get the Canada Revenue Agency off your back, before liens limit your choices.
Estate & Widower Support
Compassionate restructuring after the loss of a spouse or during an estate settlement, at your pace.
Why homeowners refinance with Rick
No upfront cost
On standard residential files, the lender pays the broker, advice and shopping the market cost you nothing.
70+ banks & lenders
Banks, monolines, credit unions, alternative and private lenders, one application, the whole market.
Confidential & judgment-free
Your situation stays between us. We've seen everything, and the goal is a plan, not a lecture.
Frequently asked
How much equity can I access when refinancing?
Will refinancing hurt my credit?
What if my bank already said no?
Other ways we can help
Reverse Mortgage
Tax-free access to home equity with no required monthly mortgage payments, for homeowners 55+.
Learn more →Second Mortgage
Tap home equity without disturbing your existing first mortgage or its rate.
Learn more →Line of Credit
Revolving access to your equity, draw what you need, pay interest only on what you use.
Learn more →Your next step starts with a conversation.
Free, confidential and no-obligation. Bring your questions, leave with a plan.