Unlock the equity in your home

A loan from Instant Bridge Financial is simply a mortgage against your property or any other real estate you own. We offer first, second and, in certain cases, third mortgages. You can borrow for needs such as a home renovation, loan consolidation, starting a business, temporary needs, and more.

It’s highly likely the value of your home has increased since you bought it. Now is a great time to access money based on the increased market value of your home.

APPLY NOW

Approved within 24 hours

new future

Remote team

worldwide

Unlock the equity in your home

Get a no-obligation quote today

Are you curious to know how much you could borrow to consolidate loan, work on a home renovation project, or reach a financial goal? Answer 3 simple questions to find out. There’s no commitment required and it won’t affect your credit score.

Get a loan in 3 easy steps

Apply online in minutes

  • Our online application process is simple. Get a no-obligation quote to find out how much you qualify for.

APPLY NOW

Get approved in less than 24 hours

  • Unlike credit cards and other loans, applying for a loan with Instant Bridge Financialwon’t impact your credit score.

APPLY NOW

Funds are deposited directly into your account within a week.

  • Unlike banks, our approvals are based on the equity you have in your home, not your age, income, or credit history.

APPLY NOW

Own your home You’re approved.

Unlike traditional banks, all you need to qualify for a loan at Instant Bridge Financial is to own your home. We make the process as quick and easy as possible. Applying for a loan with us won’t affect your credit score.

How much equity do you have?

To find out how much equity you have in your home, simply subtract the amount you still owe on your mortgage from the current value of your home. For example, if you have a $100,000 balance on your mortgage and the current value of your home is $500,000, your home equity value would be $500,000 – $100,000 = $400,000.

A home equity loan allows you to convert your home’s locked value into capital which can help you meet your financial needs.

Get started Learn more
rating
rating
rating
rating

Frequently asked questions about home equity loans in Canada

Find answers to frequently asked questions about Alpine Credits, home equity loans, second mortgages and more.

Who are Alpine Credits, and what do they do?

Instant Bridge Financial is a pioneering private lending company that has been helping Canadians access their home equity for over 50 years. We provide quicker financing solutions to Canadians regardless of their credit score, employment status, or financial situation. As long as you own your home, you’re eligible for a home equity loan from Instant Bridge Financial.

A home equity loan allows you to unlock the equity value in your home, enabling you to obtain a loan to achieve your financial goals. You can estimate your equity by calculating the difference between the appraised value of your home and your outstanding mortgage balance. With Instant Bridge Financial, you can access up to 75% of that value, which can be a significant amount of up to $500,000.

 

We provide home equity loans to homeowners across British Columbia, Alberta, and Ontario. Even if you live outside those provinces, you can still contact us to learn how we can help you.

 

An application for a home equity loan with Alpine Credits is simple. You just need to provide your personal details, the amount you need, and your estimated home’s appraised value.

 

The main eligibility requirement is to own your home. You also have to be a Canadian citizen and at least 18 years old.

 

Home equity loans are flexible and substantial enough to achieve any financial goals. The most common purposes are consolidating debts & credit balances, renovating a home, and other personal expenses.

 

Instant Bridge Financial processes applications within 24 hours to a few days, meaning you’ll receive approval results sooner than you would at traditional lenders.

 

Getting a home equity loan from Instant Bridge Financial is more straightforward, with fewer requirements. Even if you have a low credit score, you can get a loan. We believe homeowners should have a fair chance at getting the support they need – regardless of their credit, age and income.

Approved within 24 hours

Best alternative to banks

 
APPLT NOW

LAtest NEws

How a Home Equity Loan Works
How a Home Equity Loan Works

What Is a Home Equity Loan? A home equity loan—also known as an equity loan, [...]

18
Jun
Bank of Canada reports
Bank of Canada reports

Trade uncertainty taking a toll on business and consumer confidence: Bank of Canada reports The [...]

04
Jun
B.C. minimum wage increases
Minimum wage increases

B.C. minimum wage increases to $17.85 The minimum wage in B.C. is going up on [...]

04
Jun