our services



Purchasing a Home

Purchasing a home will be the largest financial transaction you make in your lifetime. Isn't it worth your time to understand the process and available options? Whether you are a first time buyer or an experienced one, Equal Mortgages has access to the very best products and rates available and will work diligently to match you with a mortgage solution that suits your unique requirements.



Refinancing isn’t only about making changes to your existing mortgage type, rate or term. Many homeowners find that the easiest and most affordable way to access money is through the equity they have accumulated in their home; money that can be used for:

  • Consolidating or paying off unwanted debt
  • Financing home improvements
  • Purchasing a rental or recreational property
  • Major purchases, investments or college tuition







Whatever your reason, we are here to help you make the best decision. We do all the leg work and negotiate with lenders on your behalf to find the best product for your unique situation.



While the majority of homeowners spend a lot of time and effort in shopping for their initial mortgage, most simply sign their mortgage renewal forms when the time comes and send them back to their lending institution without considering their options. The problem with this is that most renewal forms don’t offer the most competitive rates and the rate quoted is usually only guaranteed for 30 days. By shopping around at renewal time, you can save substantial amounts of money over the life of your mortgage. Plus, unlike the banks, we can guarantee the rate we quote you for up to 120 days!


We can also discuss whether or not it is in your best interests to renew your mortgage early. In some cases, it makes sense to do so as the savings resulting from a lower interest rate and lower monthly payments can be quite substantial. But this isn’t always the case. There is more to early renewal than just pre-payment penalties. We will provide you with expert guidance and determine whether early renewal is the best option for your individual situation.


Do yourself a favour and contact us between four and six months before your current mortgage expires.


Debt Consolidation

Credit cards, car loans, lines of credit, taxes ... the list goes on. By using the equity in your home, you can pay off these high interest credit cards and loans and replace them with a single low interest loan. By doing so, you will significantly lower your payments and may even improve your credit score. Let us help put you back in control of your financial wellbeing.


Home Equity Lines of Credit

A Home Equity Line of Credit (HELOC) gives you instant access to the equity in your home, which you can use for home renovations, vacations, investments, debt consolidation, major purchases, or whatever else you want or need.


With a HELOC, you can access up to 80% of the appraised value of your home, less any outstanding mortgage charges; and because the HELOC is secured against your property, the interest rate is much lower than an unsecured line of credit. If you need extra money and would like the flexibility of being able to borrow and repay as frequently as needed, a HELOC might be your answer.


Give us a call today and let us discuss the options available to you.


Rental & Vacation Properties

If you are thinking of investing in rental property or purchasing a home away from home, we can help you buy that property sooner. There are a variety of financing solutions available, depending on your circumstances, so contact us today and we will help make your dreams a reality.


Self-Employed Solutions

You have worked hard to get your business up and running, but are finding that you need to work even harder to get a mortgage ... sound familiar? At Equal Mortgages, we understand your needs and have access to lenders who offer products specifically suited for individuals who are self-employed.