Whether it’s $10,000 or $500,000 – Alpine Credits is Your Best Alternative to the Bank

Alpine Credits Ltd

How We Help

Are you a homeowner in need of additional financing and your financial institution is not able to offer you the financing you need? Alpine Credits can help!

We do not have the same stringent lending criteria as traditional lending institutions.  Whether you need to borrow money to consolidate debts, complete home renovations, start or grow a business, or for any reason at all…Alpine Credits is here to help.

We try to approve all home equity loan applications regardless of age, income, or credit history, and like to do so within 24 hours.

If you would like to learn more about our simple lending process, feel free to give us a call and speak to one of our lending specialists, who would love to answer any questions you may have.

Apply for a home equity loan now!

We’ve been helping people obtain home equity loans for 50 years, now. If you’ve been turned away by the bank for a loan in Canada, we can help find the financing you need.

Debt Consolidation

If you are overwhelmed with credit card debt, debt from investments and other forms of debt, it is possible to consolidate all your debt into lower monthly payments…

Home Renovation Loans

Upgrading your kitchen, bathroom, basement, or any room in your home can be feasible with a home equity loan. We focus on home’s current appraisal value….

Loans for Business Capital

Raising capital and seeking investors is not always a simple task. With the services we have to offer we can work to get you anything from $50,000 to more than…

Loans for Vacation

Even if you do not have the funds readily available to take a vacation, we can help so you can travel the world or relax on the beaches of the Bahamas just to get away from the everyday hustle and bustle….

Loans for Education

If you are thinking of going back to school to further your education or if you have a child you want to provide support for, educational loans are also an option when working with us…

Loans for Investment

Investing in a new business and raising the capital you require is not always an easy feat. With a qualified home equity loan it is possible to begin building a start-up or adding to a current business you are running…

Loans for Temporary Needs

Life often has plenty of unexpected expenses including new cars, medical bills, and emergency home repairs which can be helped with our services to get you the funds you need using a home equity loan….

Loans for Retired Individuals / Pensioners

If you are retired with a limited income or are collecting payments from a public or private pension plan, getting a loan from the banks can be even more difficult as they may deem the pension income insufficient to support the new debt payments. Fortunately, we can provide you with a loan regardless…

Loans for Self-Employed

Being self-employed has many advantages; however, being self-employed can sometimes make obtaining a mortgage from the banks difficult to obtain. Our lending parameters are the same for those who are self-employed and those working full-time for an organization. The main criteria we consider is…

Loans for dealing with Tax Debts

Tax debt begins by missing the payment date for your taxes payable, which may lead to involvement with the Canada Revenue Agency or your municipality. The best thing to do when faced with tax debt is…

Loans for Newcomer to Canada

Many new immigrants to Canada have a lot of difficulty getting approved for a loan from the banks or other lenders. This is not uncommon for newcomers as they may not have a Canadian credit score or work history, making it hard for them to prove their financial eligibility….

Business Loans

Are you already a business owner in need of additional financing to grow your business, acquire equipment or assets or, buy some inventory for an upcoming ‘busy’ season? ….


Years Of Excellence

Loan Examples*



*Disclosure on “Loan Examples” Above

Alpine Credits’ intent is to always have full disclosure on all of our loan offerings. Borrowers are provided with all necessary disclosure prior to entering into any obligation. Our objective is to offer Canadian home owners an alternative to the banks and credit unions (not a replacement). Typically, you will find our rates to be higher than the banks; however, with this in mind, we are usually more efficient than the banks in getting you your money and may lend in situations where the banks (and other traditional lenders) will not.

Once we have provided you with all necessary information, the decision will be left with you as to whether or not you wish to proceed with our offer. Thank you for your consideration. We look forward to speaking with you soon.

All of the above examples are for discussion purposes only. It is important the reader is aware that the examples may represent the lower priced range of our product offerings. Rates on our loans are subject to change and may vary (up or down) based on the equity you have in real estate, the state / condition / location of your real estate, your personal financial situation and the Canadian mortgage market.

The examples are all based on interest only monthly payments (you may elect to pick a shorter amortization to pay off your loan sooner) in which the rate in year 2 increases to the prime rate plus 3.75% and the prime rate plus 6.00% for the first and second mortgages respectively. The Cash Advance in all of the loans above represents the net amount of money to be received. The “Gross Amount” for the $100,000 / $300,000 / $25,000 / $50,000 loans in the examples above are $110,500 / $327,900 / $29,500 / $58,140 respectively. The difference between the Gross Amount and Net amount represents closing costs which includes items such as legal fees, appraisals, brokerage fees, etc. (“Fees”). The APR will increase / decrease in the event of higher / lower Fees. Once again, thank you for your consideration.