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Ontario HELOC Specialists

Get a HELOC in Ontario —
Access Up to 80% of Your Home Equity

Borrow what you need, when you need it. Only pay interest on what you use. Expert guidance from Ontario's trusted mortgage team.

  • Rates from prime + 0.50%
  • Approvals in as fast as 48 hours
  • No prepayment penalties
  • Borrow $25K to $500K+
4.9/5 from 179+ reviews on Google

Get Your Free HELOC Quote

No credit check required. Takes 60 seconds.

1 Your Info
2 Get Quote
Access My Equity
Consolidate Debt
Home Renovations
Explore Options
$25K – $50K
$50K – $100K
$100K – $200K
$250K+
Your information is secure & encrypted
4.9/5 Google Rating
179+ Ontario Homeowners Helped
Licensed Mortgage Brokerage
Approvals in 48 Hours

How It Works — 3 Simple Steps

From application to accessing your funds, we make the HELOC process quick and straightforward.

1

Tell Us About Your Home

Fill out our quick form with your property details. Takes just 60 seconds — no credit check needed.

2

Get Matched & Approved

We match you with the best lender for your situation and handle the paperwork. Approvals in as fast as 48 hours.

3

Access Your Funds

Draw from your HELOC whenever you need it. Only pay interest on the amount you actually use.

Why Choose a HELOC with Lighthouse Lending?

We connect Ontario homeowners with the best HELOC rates and terms available.

Revolving Access to Funds

Unlike a traditional loan, a HELOC lets you borrow, repay, and borrow again — like a credit card secured by your home equity.

Only Pay Interest on What You Use

Approved for $200K but only need $50K right now? You only pay interest on the $50K. Keep the rest available for when you need it.

Competitive Rates from Prime + 0.50%

We shop across multiple lenders to find you the lowest HELOC rate available for your situation. Often lower than credit cards or personal loans.

Expert Guidance Every Step

Our licensed mortgage advisors walk you through every option, fee, and term — no jargon, no hidden surprises. Clear advice you can trust.

Fast Approvals — As Quick as 48 Hours

We streamline the application process and handle the paperwork so you can access your equity faster than going through a bank.

Perfect for Renovations, Debt & More

Whether it's a kitchen remodel, consolidating high-interest debt, or covering tuition — a HELOC gives you flexible funding on your terms.

What Ontario Homeowners Are Saying

Don't just take our word for it — hear from homeowners who've worked with our team.

"Kristen is incredibly professional and knowledgeable. She goes above and beyond to make the process simple. I felt supported every step of the way."

A
Anastazja
Google Review

"Lighthouse Lending was great. We dealt with Mathew who was very good to work with. He explained everything clearly and got us approved quickly."

J
Jason Ferris
Google Review

"Highly recommend Lighthouse Lending, especially Joseph who is very responsive and knowledgeable. Made the whole HELOC process seamless."

C
Chris Gnieciak
Google Review
4.9 179 reviews on Google

Frequently Asked Questions

Everything you need to know about getting a HELOC in Ontario.

A Home Equity Line of Credit (HELOC) is a revolving line of credit secured against the equity in your home. You can borrow up to a pre-approved limit, repay it, and borrow again — similar to a credit card but with much lower interest rates. You only pay interest on the amount you've actually withdrawn, not on the full approved limit.
In Canada, you can typically borrow up to 65% of your home's appraised value through a HELOC. When combined with your mortgage, the total can reach up to 80% of your home's value. For example, if your home is worth $800,000 and you owe $300,000 on your mortgage, you could potentially access up to $340,000 through a HELOC.
To qualify, you generally need: sufficient equity in your home (at least 20%), a reasonable credit score, proof of income, and the ability to make the interest payments. Even if you've been turned down by a bank, Lighthouse Lending works with multiple lenders including alternative and private options — so we can often find a solution.
Through Lighthouse Lending, many clients receive conditional approval within 48 hours. The full funding process typically takes 2–4 weeks depending on appraisal timelines and document verification. We handle the paperwork and lender coordination to keep things moving quickly.
It depends on your needs. A HELOC offers revolving access — borrow as needed and only pay interest on what you use. It's ideal for ongoing expenses like renovations. A home equity loan gives you a lump sum with fixed payments, which is better if you need a specific amount all at once. Our advisors can help you choose the right option.

Ready to Unlock Your Home Equity?

Get your personalized HELOC quote in 60 seconds. No credit check, no obligation.

Get My Free Quote Call (905) 234-3323