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Unlock your home's equity with a HELOC. Flexible borrowing for renovations, debt consolidation, or investing. Get the best HELOC rates in Canada.
How We Help: Not all HELOCs are created equal. Some are readvanceable (automatically increasing your limit as you pay down your mortgage principal), while others are static. We help you structure a "Matrix Mortgage" or "All-in-One" account that combines your fixed mortgage term with a revolving line of credit, giving you maximum financial fluidity.
Strategic Uses in 2026: With consumer debt rising, many clients are using HELOCs to consolidate high-interest credit cards (often 19%+) into a much lower mortgage rate. Others are using the funds for "Improve, Don't Move" renovation projects to increase property value, or as a down payment on an investment property to build generational wealth.
The "Smith Manoeuvre": For advanced investors, we can discuss how to structure your HELOC to make interest tax-deductible for investment purposes. Unlock the full potential of your real estate equity today.