Equity Take-Out Analysis
Loan-to-Value (LTV) Calculator for Ontario Homeowners
Private lenders focus on your property's equity, not just your income. Use this estimator to discover your borrowing capacity in the current market.
When the Bank Says "No", We Look Closer
Traditional lenders and the "Stress Test" make it difficult for many Ontarians to access home equity. Whether you are self-employed, have credit challenges, or are currently between roles, your home's value shouldn't be locked away.
Our Equity-First Model prioritizes property value and location. This tool gives you a realistic look at your potential capacity based on Ontario private lending guidelines.
What does this calculator show?
This tool estimates the maximum you can borrow against your home equity based on Ontario private lending guidelines. Unlike bank qualification, our equity-first model is based on your property value and location - not your income or credit score.
75% vs 80% LTV - what's the difference?
75% LTV typically unlocks better rates with more lender options. 80% LTV is the maximum and gives you the highest cash-out amount, but comes with slightly higher rates. Most borrowers start at 75% and move to 80% only when needed.
How do you calculate loan-to-value?
Divide the total of all mortgages secured against the property by the property's appraised value, then multiply by 100. A $600,000 home with a $390,000 mortgage sits at 65% LTV, leaving room to borrow up to the 75-80% ceiling most Ontario lenders apply.
Who is this tool for?
Self-employed homeowners, those with bruised credit, or anyone declined by a bank but with significant equity in their home. If you own property in Ontario with 20-25%+ equity, there is likely a path to approval through our private and B-lender network.
What happens after I calculate?
Hit "Request a Quote" and a Mortio mortgage agent will review your file and match you with the right lender - bank, B-lender, or private. No hard credit pull required to start.
Does a high LTV mean a higher rate?
Usually, yes. Lenders price for risk, so an 80% LTV request typically carries a higher rate than the same file at 65%. Borrowing only what you need is often the cheaper path - the calculator shows your ceiling, not a target.