Equitable Bank Rate and Renewal Hub

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Equitable (EQ) Bank Mortgage and Renewal Hub

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Fill out the form below to get approved or renew

Locations we Service

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Exclusive Benefits

Equitable Bank Renewals

Equitable Bank Real Pre Approvals

We actually underwrite and pre approve you before you go shopping. 24 hour pre approvals

We find you free Money

First we get you approved for any Government Incentives you qualify for such as the first time home buyers incentive

Equitable Member Benefit

You benefit from the large rate discounts the banks give us. We get discount because of the large volume of mortgages we send to the bank.

Free Buyers Guidance

We walk you through step by step everything you need to know and understand in the buying process.

Discounted Legal fees

We have relationships with many lawyers, that give our clients discounts on legal fees.

Realtor Discounts

The realtors we work with provide our buyers discounts and benefits.

Multiple Lenders

We shop around at multiple lenders for the best rates and terms to fit your needs. We have access to more lenders.

Top 5% In Canada

Sean, your main broker is ranked in the top 5% of mortgage brokers in Canada. Making it easier to get approved

Easier Approval

We have multiple underwriters that all braistorm the easiest way to get you approved

Multiple credit bureaus

We are one of very few brokers that have access to both credit bureaus. If you have bad credit on one, we can use the other!

Quarterly Checkups

We find ways to save you money on interest every step of the way.

Free Mortgage Videos

Our youtube channel provides you with free videos to help you make wise purchasing decisions

How long does it take to get a mortgage?

Normally it will take 5-10 business days

How Much downpayment do i need?

Normally the minimum downpayment is 5% down. However you can borrow your downpayment and do a cashback mortgage called flex-down so that you can put as little as $0 down! If you have bad or no credit Equitable will require 20% down

Should I Call Equitable Directly?

No, Equitable works directly with us to negotiate your rate for you.

Can I get a mortgage if I have bad credit?

Yes you can! Provided you have 20% down. Please call us with any credit questions. It might not be as bad as you think! You can get a mortgage after bankruptcy and after consumer proposals.Equitable Bank Also offers a B Side that allows anyone to get approved

Can I buy a second property with 5% Down?

Yes you can buy a second property with 5% down! It is called a second home. Normally people do this if they are buying a vacation home, or a home for their parents or childrenn.

Can you renew my mortgage?

Yes we offer mortgage renewals at amazing rates! We negotiate with Equitable to help you get a lower rate.

What is the minimum credit score?

Minimum credit score is 600 with regular banks for 5% down. If you have more than 20% down we can get you approved with a much lower score.

Is Equitable an A Lender or B Lender

Equitable is both! They have both an A division and a B division. The best part is that you can easily move from their B side to A side.

Does Equitable Bank Do Reverse Mortgages?

Yes Equitable bank does do Reverse Mortgages! They have some of the lowest rates in Canada for Reverse mortgages

Is Equitable Bank The same as Equitable Trust?

Yes, there was a minor name change to Equitable when they received their Bank status in Canada.

Is Equitable Bank Safe?

Equitable Bank and EQ Bank are registered bank status companies in Canada. They are regulated by the Canadian government and is very safe to deal with. Equitable bank has multiple layers of protection for their customers including insurance up to $100,000 for bank accounts and other forms of insurance for mortgages.

How do I get a lower mortgage rate when I renew?

The easiest way to get a lower mortgage rate with EQ Bank or Equitable bank is to contact us now. Our brokers will negotiate a rate for you, most often lower than what you would be offered directly. Our group does not charge to renew you, and you will be able to benefit from our long relationship with Equitable.

Equitable bank Mortgage Login

You can Login to Equitable Bank at this link https://my.equitablebank.ca/login.

If you would like a copy of your mortgage renewal or balance, we are happy to get this for you.

Equitable Bank Interest rates

Equitable banks mortgage interest rates fluctuate daily. WPlease contact us in order to get the most current rates. All rates are negotiable.

Does Equitable bank have a variable rate?

Yes equitable bank does have a variable rate. Please fill out the contact form requesting the variable rate if you would like to get a quote on a variable rate.

Does Equitable Bank offer a line of credit (heloc)

Yes equitable bank does offer a line of credit. This can be obtained at the time of getting a mortgage, or you can get this after a mortgage. This must be registered in the first position on your title and will require an appraisal.

Our Clients Believe In Us

HERE IS WHAT
THEY ARE SAYING

Can’t say enough great things about Sean and Radika! If you’re looking for professionalism, exceptional customer service and a hard working team that gets things done then they should be your go to! They’ve helped many of my clients increase their approval amounts, decrease their rates, get approved when other lenders or banks said no, and have also assisted clients to set up credit plans, helping them to rebuild their credit and get future approvals.

Sean is an amazing mortgage broker who got our very unique and challenging deal done at an amazing rate. I used a well-known and heavily advertised competitor at first, but when it ended up not being the deal we originally set out to get, Sean happily took over and crossed it over the finish line with an even lower rate. Not enough stars to give and will hire him again when we renew.

If I could give 10 stars I would! Radika Rampersaud is amazing to deal with and puts her clients first! I would highly recommend her services. As a legal assistant that does quite a bit of business with herself and Sean, their professionalism is amazing and they go out of their way to help! Thank you!