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.
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.