GET SECURED LINE OF CREDIT WITHOUT INCOME VERIFICATION
WITHOUT INCOME VERIFICATION
- Home Improvement
- Emergency Financing
- Consolidate debt
- No Minimum Credit Requirements
Lic#10845, Independently Owned & Operated
Paramjit Singh Bhatia,
Mortgage Broker
Serving : Ontario647-559-3246
Apply Now For Quick Approval !
Unlock the Value of Your Home with a
Home Equity Line of Credit (HELOC)
Purchase 1st or 2nd Mortgage, Refinance
- LTV up to 80%
- NO Charges on Zero Balance
- Non-Traditional Income Verification
- NO Penalty, Open loan
- Pay only what you withdrawn
Access Funds for What Matters Most—At a Low Interest Rate
Apply for a Home Equity Line of Credit (HELOC)
Apply Now For Quick Approval !
Apply Now For Quick Approval !
If you’re a homeowner in Toronto, you may have access to a significant source of financial flexibility—your home’s equity. With a Home Equity Line of Credit (HELOC), you can tap into the value of your property to fund renovations, consolidate debt, pay for education, or manage unexpected expenses—without needing to refinance your mortgage.
LOW INCOME, LOW CREDIT SCORE, NO WORRIES!!
Solutions for any situation for Ontario Homeowners
Pay Off Debts, Improve Credit Score, Equity Line Of Credit
All Credit Types Accepted
Good, Bad, No Credit, Bankruptcy, Consumer Proposal?
Why Choose a HELOC?
Access Flexible Funds
Borrow only what you need, when you need it. Repay and borrow again, as you go.
Low Interest Rates
HELOCs typically offer lower interest rates than credit cards and personal loans.
Tax Benefits
Interest payments may be tax-deductible when used for eligible purposes (consult with your tax advisor).
What You Can Do with a HELOC
Home Renovations
Upgrade your space without the hassle of large upfront payments.
Debt Consolidation
Combine high-interest debts into one manageable payment at a lower rate.
Education Expenses
Cover tuition, books, and other educational costs.
Emergency Fund
Be prepared for unexpected expenses, from medical bills to car repairs.
Invest in Real Estate
Use your HELOC to invest in property or other opportunities.
Advantages of Private Mortgage
Reducing Monthly Payments
In Canada, most of the mortgages usually last for 5 years but the time duration of private mortgages is only one to two years. So, private mortgages can help if you want to attain the property for a short duration. Also, it can help you to improve your credit history in one to two years so that you can apply for a home loan from a bank after finish up your short-term private mortgage.
Low Interest Rates
A private mortgage is a great short-term solution to meet current financial needs. With rates still low, now is a great time to discover the options available to you!
Working with one of the most recognized and trusted mortgage brokerages in Canada, I can provide you with the choice, convenience, and counsel that you deserve.
To consolidate debt
With the ever-changing market and a stricter mortgage stress test, many Canadians are finding it harder to qualify for a mortgage and are turning to alternative solutions.
Private lenders are more flexible with required qualifications than traditional lenders.
If you are looking to buy a home or qualify for a second mortgage, a private mortgage is an option!
Ready to Take Advantage of Your Home's Equity?
Whether you’re planning home improvements, managing debt, or preparing for future expenses, a HELOC can be the key to accessing the funds you need with greater flexibility and lower interest rates.
Recent Google Reviews
Renu Chand
2023-01-10
Parmjit sing Bhatia professional and knowledgeable and trust worthy,he help to get our mortgage quick and simple
He has access to lot of lendens and he has a solution to any financial situations.some major bank say no but Mr Bhatia has different options that other don't.Don,t go have and there just contact .Mr Bhatia he will definitely help you
Thanks .Mr Bhatia
Charanjeet Bhogal
2022-11-21
Parmjeet singh is verry good working and honestly doing his job.
Gurpartap Singh
2022-10-21
Paramjit Singh Bhatia is one of the best Mortgage Agent i have ever met. Through professional and follow up is exceptional. His knowledge of mortgage industry is vast that helps you with the information and decision making relatively quick. I wish success in future
pb32 punjab
2022-09-17
Home Mortgage Care with Awesome experience! Highly recommend!
This was the biggest financial decision of our life and they understood that!!! All of our options were explained in detail which helped us make a decision that we are happy with
Manjinder Mann
2022-09-14
Paramjit Singh Bhatia is very professional and knowledgeable and trustworthy, he helped to get our mortgage quick and simple. He has access to lots of lenders and he has a solutions to any financial situations. Sometimes major banks say No but Mr.Bhatia has different options that others don't. Don't go here and there just contact Mr.Bhatia he will definitely help you out! Thanks Mr.Bhatia.
Gurmeet Gulati
2022-09-02
Thanks for all your help Paramjit Bhatia ji. You are the best!
jagroop Singh
2022-07-23
Thanks Paramjt
you helped me lot and help me on time
work was very smooth and you update me on every steps
what you said you did it
thank you for your help
Tanvir Chowdhury
2022-07-06
Very knowledgeable, punctual and detail oriented person to make sure mortgage process goes smoothly and accurately.
Star lite Cargo Inc.
2022-05-09
Mr. Paramjit Bhatia is very professional in his fields and he clarify every point in very good manner. he is very responsible and knowledgeable towards his tasks.
Awards and Recognition
AKAL Mortgages
We are a registered franchise of the Mortgage Alliance Network, and we work with over 39 lenders.
100% Licensed
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