How it works

Answer three simple questions and get approved in less than 24 hours. It’s that easy. Whether it’s $10,000 or $500,000 – Alpine Credits is your best alternative to the bank.

Approved within 24 hours

Best alternative to banks

Unlock the equity in your home

A loan from Alpine Credits is simply a mortgage against your property or any other real estate you own. We offer first, second and, in certain cases, third mortgages. You can borrow for needs such as a home renovation, loan consolidation, starting a business, temporary needs, and more.

It’s highly likely the value of your home has increased since you bought it. Now is a great time to access money based on the increased market value of your home.

Get a loan in 3 easy steps

1 Apply online in minutes

Our online application process is simple. Get a no-obligation quote to find out how much you qualify for.

2 Get approved in less than 24 hours

Unlike credit cards and other loans, applying for a loan with Alpine Credits won’t impact your credit score.

3 Funds are deposited directly into your account within a week.

Unlike banks, our approvals are based on the equity you have in your home, not your age, income, or credit history.

Own your home You’re approved.

Unlike traditional banks, all you need to qualify for a loan at Alpine Credits is to own your home. We make the process as quick and easy as possible. Applying for a loan with us won’t affect your credit score.

Traditional banks

Do you own your home?

Credit history report

Proof of income

Employment status

Age limits

How much equity do you have?

To find out how much equity you have in your home, simply subtract the amount you still owe on your mortgage from the current value of your home. For example, if you have a $100,000 balance on your mortgage and the current value of your home is $500,000, your home equity value would be $500,000 – $100,000 = $400,000.

A home equity loan allows you to convert your home’s locked value into capital which can help you meet your financial needs.

Get a no-obligation quote today

Are you curious to know how much you could borrow to consolidate loan, work on a home renovation project, or reach a financial goal? Answer 3 simple questions to find out. There’s no commitment required and it won’t affect your credit score.

Frequently asked questions about home equity loans in Canada

Find answers to frequently asked questions about Alpine Credits, home equity loans, second mortgages and more.

Who are Alpine Credits, and what do they do?

Alpine Credits is a pioneering private lending company that has been helping Canadians access their home equity for over 50 years. We provide quicker financing solutions to Canadians regardless of their credit score, employment status, or financial situation. As long as you own your home, you’re eligible for a home equity loan from Alpine Credits.

What is a home equity loan?

A home equity loan allows you to unlock the equity value in your home, enabling you to obtain a loan to achieve your financial goals. You can estimate your equity by calculating the difference between the appraised value of your home and your outstanding mortgage balance. With Alpine Credits, you can access up to 75% of that value, which can be a significant amount of up to $500,000.

What provinces do Alpine Credits operate in?

We provide home equity loans to homeowners across British Columbia, Alberta, and Ontario. Even if you live outside those provinces, you can still contact us to learn how we can help you.

What do I need for an application?

An application for a home equity loan with Alpine Credits is simple. You just need to provide your personal details, the amount you need, and your estimated home’s appraised value.

Who is eligible for a home equity loan?

The main eligibility requirement is to own your home. You also have to be a Canadian citizen and at least 18 years old.

What can I use a home equity loan for?

Home equity loans are flexible and substantial enough to achieve any financial goals. The most common purposes are consolidating debts & credit balances, renovating a home, and other personal expenses.

How quickly can I receive a home equity loan?

Alpine Credits processes applications within 24 hours to a few days, meaning you’ll receive approval results sooner than you would at traditional lenders.

What is the difference between Alpine Credits and the bank?

Getting a home equity loan from Alpine Credits is more straightforward, with fewer requirements. Even if you have a low credit score, you can get a loan. We believe homeowners should have a fair chance at getting the support they need – regardless of their credit, age and income.

Homeowners get approved.

Unlike traditional banks, all you need to qualify for a loan at Alpine Credits is to own your home. We make the process as quick and easy as possible. Applying won’t affect your credit score.