Second Mortgages and Home Equity Loans.
 Fast and Easy!

Get the financing you need using your home’s equity. As a private Canadian lender, we offer fast approvals and flexible solutions — even if you’re recovering from bad credit or have been turned down by traditional lenders.

Access the Equity in your Home

Whether you’re consolidating debt, funding renovations, covering unexpected expenses, or need access to cash, Draft Financial offers flexible home equity lending solutions tailored to your needs.

Why Choose Draft Financial?

  • Fast Approvals
  • Private Canadian Lender
  • Flexible Lending Solutions
  • Credit Challenges Considered
  • No Income Verification Required
  • Funding Available in as Little as One Day

Use Your Equity For

  • Debt Consolidation
  • Home Renovations
  • Foreclosure
  • Business Loans
  • Vacation Loans
  • Mortgage Refinancing

Don’t see your situation listed? If your home has available equity, Draft Financial can help you access the financing you need.

No Obligation Pre-Approvals

When the bank says no – we’re here to help.
Complete the form below and a member of our team will contact you to discuss your home equity financing options.

Privately Explore What You Qualify For

NO CONTACT INFORMATION REQUIRED. NO OBLIGATION.

Use our Free Quick Qualifier to estimate potential loan amounts and monthly payments in just a few minutes.
If you’re happy with the results, you can choose to connect with our team to discuss the next steps.

START THE QUICK QUALIFIER

We are here to help.

At Draft Financial, we understand that not every borrower fits traditional bank lending criteria. As a private Canadian lender, we take a practical approach to financing, focusing on the equity in your property and the overall strength of your situation rather than rigid banking requirements.

Our clients choose us for our fast decisions, flexible solutions, and personalized service. We take the time to understand your needs and explore financing options tailored to your situation.

When traditional financing isn’t the right fit, Draft Financial provides  practical lending solutions designed to help you move forward with confidence.

Lending Solutions

Equity

Access the equity in your home for renovations, unexpected expenses, investments, or
other financial needs.

Business Loans

Leverage your home’s equity to finance a business, support growth, or access
working capital.

Interest Only

Flexible mortgage solutions designed to
keep monthly payments manageable, including interest-only payment options.

Bad Credit

Credit challenges? We focus on the equity in your property and the overall strength of your situation, not just your credit score.

Debt Consolidation

Use your home equity to consolidate
high-interest debt and simplify
your monthly finances.

Refinancing

Renew or refinance an existing mortgage
with flexible options tailored to
your current needs.

Built Around Equity, Not Obstacles.

We Consider the Full Picture.

Frequently Asked Questions

How can I access the equity in my home without selling it?

If your home is worth more than what you currently owe against it, you may be able to access that equity through a Home Equity Loan or second mortgage. Homeowners often use available equity for debt consolidation, home improvements, business purposes, unexpected expenses, or other financial needs without having to sell their property.

Can I qualify for a Home Equity Loan if I have bad credit?

Yes. Many private lenders focus primarily on the available equity in your property rather than relying solely on your credit score. While every application is unique, homeowners with credit challenges may still qualify for financing based on the strength of their property and overall situation.

Can I get approved if the bank has declined my application?

Possibly. Traditional banks often have strict lending guidelines related to income, credit history, and debt servicing. Private lenders can take a more flexible approach by considering the equity in your property and reviewing each application based on its individual circumstances.

What is a private lender and how does private lending work?

A private lender provides real estate-secured financing outside of traditional banks and credit unions. Private lending can offer flexible financing solutions for homeowners, investors, and self-employed individuals who may not meet conventional lending requirements.

What can I use a Home Equity Loan for?

Home Equity Loans can be used for a variety of purposes, including debt consolidation, property taxes, home renovations, business financing, investment opportunities, and other financial needs. The funds are secured against the available equity in your property.

How quickly can I get approved?

Approval timelines depend on the complexity of the application and how quickly required information is received. In many cases, applications can be reviewed within hours, with funding often available significantly faster than traditional lending channels.