HELOC Canada — $10,000 to $250,000

${amount} HELOC in Canada

Home equity lines of credit for Canada homeowners, secured against your property.

Every province & territory

$10,000–$250,000

Secured by home equity

$10,000

Apply Now — Free All HELOC in Canada

Your Canada Loan

Choose an amount — see your CA offer

Loan Amount (CAD)

$500

$10,000 minimum · $250,000 maximum · Canada

$10,000$250,000

Fee Cap

Rate set by credit & equity

Regulator

Mortgage & consumer-lending rules

Credit Check

None

Delivery

Interac e-Transfer

Apply for $500 in Canada →

Free · No obligation · Won't affect your credit score · SSL encrypted

HELOC Canada

HELOC for Canadians

A $10,000 loan is a larger instalment amount where credit profile and income have a bigger impact on your rate.

How a HELOC works

Across Canada, Aarao helps borrowers understand how a heloc works. Every offer shows the full cost in plain language before you commit, and the exact limits depend on your province or territory.

Secured lending vs unsecured loans

Across Canada, Aarao helps borrowers understand secured lending vs unsecured loans. Every offer shows the full cost in plain language before you commit, and the exact limits depend on your province or territory.

Equity, loan-to-value and qualification

Across Canada, Aarao helps borrowers understand equity, loan-to-value and qualification. Every offer shows the full cost in plain language before you commit, and the exact limits depend on your province or territory.

Variable rates and interest-only draws

Across Canada, Aarao helps borrowers understand variable rates and interest-only draws. Every offer shows the full cost in plain language before you commit, and the exact limits depend on your province or territory.

Using a HELOC for debt consolidation or renovations

Across Canada, Aarao helps borrowers understand using a heloc for debt consolidation or renovations. Every offer shows the full cost in plain language before you commit, and the exact limits depend on your province or territory.

Choose Your Province or Territory

HELOC by Province

Although heloc follow the same federal 35% APR cap nationwide, lender availability and local options vary. Select your province or territory to see heloc where you live.

OntarioON British ColumbiaBC AlbertaAB QuebecQC ManitobaMB SaskatchewanSK Nova ScotiaNS New BrunswickNB Newfoundland and LabradorNL Prince Edward IslandPE YukonYT NunavutNU Northwest TerritoriesNT

Questions & Answers

HELOC FAQs — Canada

How much can I borrow with a heloc in Canada?

HELOC through Aarao range from $10,000 to $250,000. The maximum available to you depends on your income and the rules in your province or territory.

Are heloc the same as payday loans across Canada?

No. HELOC are secured against your home equity, so they are not payday loans and are not covered by payday legislation. Being secured, they typically carry much lower rates, but the asset can be at risk if you default.

Do I need good credit to apply?

Not necessarily. Lenders in the Aarao network weigh income and banking history alongside credit, so applicants with imperfect credit across Canada can still apply.

How fast is funding?

Once an application is approved and the agreement signed, funds are typically sent by Interac e-Transfer within minutes, anywhere in Canada.

Apply Anywhere in Canada

Home-equity lenders · secured. $10,000–$250,000. Fast e-Transfer funding.

Apply Free →Contact our team →

Responsible borrowing: Borrow only what you can repay. If you are struggling with debt, contact the Credit Counselling Society at 1-888-527-8999 — a free, non-profit service.

More Ways to Borrow

Other Loan Types Across Canada

Payday Loans$100–$1,500 Personal Loans$500–$15,000 Installment Loans$500–$3,000 Car Loans$1,000–$50,000