Home Equity Line of credit without income verification
May 8, 2025 | Posted by: Alex Vinarski
I can arrange up to $1,000,000 Home Equity Line of Credit HELOC up to 80% of the property value without any income verification. HELOC can be done as a first or second mortgage, and based purely on the equity in your home. This is home equity loan, so no pay stub, or tax return required. No upfront fee. Only need mortgage application, and appraisal ordered by the lender. Avaiable in all most of the major cities in Canada and some smaller towns as well. Clients with bad credit also can get HELOC. Rates starts from 7.49%.
Another good product is Home Equity Visa. It can be 1st or 2nd mortgage, up to $500000. Rate 7.99%. Clients will get 1% cash back on purchases. For this product lender wants to see business registration, and confirmation that business actually makes money (business bank statements showing deposits, paid invoices etc). Don't need to show tax return.
When you are not qualify with the bank because of the credit or income, you can get mortgage with B lenders under stated income program for self-employed. Don't need to show tax return. Only provide business registration and bank statements showing deposits from business. Minimum down payment 20%. Can be used for purchase and refinancing. This very good program for self-employed and commission or tips earners. Rates from 4.99%. Bad credit OK.
Regular private mortgages in Vancouver from 5.49% in first position, and from 9.95% in second position. No income verification, no up front fee, fast funding, same day commitment.
We can go up to 85% of the house value with income verification.
I can arrange private mortgage in Vancouver, Burnaby, Richmond, Coquitlam, Surrey, Langley, Maple Ridge, Delta, Port Moody, North Vancouver, West Vancouver, Chilliwack, Hope, Victoria, Nanaimo, Kelowna, Kamloops, Whistler, Squamish.
