Rigorous underwriting policies
and practices
EquityLine only lends to credible, qualified
borrowers. Our underwriting policies and
practices have been reviewed and
approved by a Tier 1 Canadian Bank.
Short-term loans on residential homes (less than 12 months)
By focusing on short-term loans only, EquityLine significantly mitigates the effects of real estate market dips or corrections. Mortgage loans historically average 8 months, never more than 12 months.
Maximum 80% LTV (loan-to-value)
This leaves a minimum 20% buffer in case of real estate market fluctuations. Historically, EquityLine’s mortgage portfolio LTV ratio is 73%.
Focus on residential home
mortgages within the GTA
Residential mortgage defaults are
historically lower than commercial or
industrial mortgages. The Greater Toronto Area (GTA) continues to drive strong quality mortgage demand.
Experienced management team
guided by an independent board
of directors
EquityLine management team has over 100 years of real estate and investing experience. The team is supported by an independent board of
directors with extensive knowledge of financial
services, regulatory matters, and publicly traded
reporting experience.