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.
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.
Frequently Asked Questions
Why Choose a Private Lender?
Private lenders offer flexible financing solutions that may not be available through traditional banks. We focus on the equity in your property, allowing us to consider a wider range of borrowers.
Do I Qualify for a Home Equity Loan?
If your home is worth more than what you currently owe against it, you may qualify for a Home Equity Loan. Our approvals are based primarily on available equity rather than traditional lending criteria.
Can I Access Equity Before My Home Sells?
Yes. If your property has available equity, we may be able to provide financing before the sale is completed. Every application is reviewed individually to determine eligibility.
How Quickly Can I Get Approved?
Once we receive your application and required documents, approvals can be provided in as little as a few hours. Funding timelines depend on the complexity of the file and how quickly documentation is received.
What Can a Home Equity Loan Be Used For?
Home Equity Loans can be used for a variety of purposes, including debt consolidation, property taxes, home renovations, business financing, unexpected expenses and other financial needs.
Can I Qualify with Poor Credit?
Yes. We understand that credit challenges happen. Our lending decisions focus primarily on the equity in your property and the overall strength of your situation rather than your credit score alone.