Legal suite
Turn unused space into an income-producing suite and explore equity, refinance and rental-income strategies.
Explore suite financing →Flexible financing, built around your home
Put your equity to work without forcing your project into one box.
Renovations, legal suites, debt restructuring or a bigger plan. EquityFlex helps you compare the right way to access your equity, with a real mortgage advisor guiding the process.
40+lenders to compare
1advisor from start to finish
Morethan a bank-only option
Your EquityFlex plan
Built around the project, not one product.
Advisor reviewed
Project
$75,000 renovation
Home equity
Estimated equity room
$140,000
Illustrative based on an $700K home and $420K mortgage.
Ways we could structure itWe compare the trade-offs for you.
RefinancePotentially lowest overall borrowing cost
Cost
HELOCFlexible access as project costs come up
Flex
Second mortgageKeep an existing first mortgage in place
Protect
Reviewed withTrevor Berry
40+lender relationships
PrimeAlternativePrivate
One review.More ways to fund it.
Powered by Perch Mortgage Brokerage
Prime • Alternative • Private
Real human advice, not a call centre
Start with the project, not the product
Tell us what you want to accomplish. We’ll build the financing around it.
Equity can be accessed in different ways. The right structure depends on your mortgage, available equity, income, credit, timeline and whether keeping your existing first mortgage matters.
Renovation
Kitchen, bath, main floor, addition or full-home project. Compare ways to fund the work without relying on high-cost cards.
Explore renovation options →Debt & cash flow
Restructure higher-interest consumer debt and see whether your home equity can improve monthly cash flow.
Review my cash flow →Investment & opportunity
Access capital for a rental, business need, bridge or time-sensitive opportunity with more than one lending lane.
Talk through my plan →Financing + incentives
We look beyond the loan.
Depending on your project and location, we can help identify applicable grants, rebates and government incentive programs, then structure the financing around the portion of the project that still needs to be funded.
A quick first look
How much equity could be available?
This simple estimate uses an 80% loan-to-value benchmark. Your actual options can be higher or lower depending on lender type, property, qualification and product.
i No credit check. This is an estimate, not an approval.
$250K$2M
$0$1.5M
Estimated equity room at 80% LTV
$140,000
Based on an estimated maximum mortgage of $560,000.
Get my funding plan
A smarter cost structure
Regular financing can be 10%+.
Your equity may open a lower-cost path.
For many projects, the real question is not just “can I get the money?” It is “what is the cleanest way to structure it?” We compare the market and try to maximize the equity you already have so your borrowing costs and monthly payment stay more manageable.
Regular financing example
$75,000 project
Unsecured or point-of-sale financing can easily land at 10%+.
Illustrative rate10.99%
Monthly payment$1,033
Repayment window10 years
Estimated interest$48,900
EquityFlex structured example
Same $75,000 project
When available home equity is used strategically, the same project may be structured at a lower starting rate and over a longer amortization to reduce monthly carrying cost.
Illustrative variable rate4.19%*
Starting monthly payment$365*
Amortization30 years
Mortgage term5 years
In this illustration, the starting payment is about $668/mo lower. That difference reflects both the lower starting rate and the longer amortization.
*For illustrative purposes only. Example assumes $75,000 financed with a 5-year variable mortgage at an initial rate of 4.19%, amortized over 30 years. Variable rates can change during the mortgage term and payments and/or amortization may change depending on the lender product. The 10.99% example is illustrative of higher-cost unsecured/project financing and is not represented as the rate charged by every provider. A longer amortization can lower the monthly payment but may increase total interest over time. Actual rate, APR, mortgage term, payment, fees, available loan-to-value and qualification depend on the borrower, property and lender selected. Mortgage financing is secured against real property and may involve appraisal, legal, discharge or other costs. This is not an approval, commitment to lend or guarantee of savings.
Less friction. More options.
A real financing conversation in three simple steps.
01
Tell us the goal
Share the project, rough amount, property value and what matters most to you.
02
We compare the market
Your advisor reviews 40+ lender relationships plus alternative and private channels when they make sense.
03
You choose the fit
See the trade-offs clearly before deciding. Payment, rate, fees, flexibility and impact on your existing mortgage all matter.
Why EquityFlex
Your bank has one shelf. We shop the market.
A refinance may be perfect. Or protecting your existing mortgage with a HELOC or second mortgage may be smarter. If the file needs a more flexible solution, alternative or private capital may open another path.
Get my funding plan01
Prime lenders
Competitive bank and monoline options for well-qualified borrowers.
02
Alternative solutions
More flexible income and credit guidelines when the standard box is too tight.
03
Private & brokerage channels
Equity-focused solutions for speed, complexity or short-term needs, with a clear exit strategy.
No-obligation project review
Tell us about your project.
Tell us what you want to accomplish. We’ll review your available equity and come back with a no-obligation quote and a clear plan for the most suitable way to fund it using your home equity.
✓ No obligation ✓ No credit check to start ✓ Real advisor follow-up
Your EquityFlex advisor
Trevor Berry
Mortgage Associate • Perch Mortgage Brokerage
Your request comes directly to Trevor. Prefer to talk first? Call or text 403-870-1537 or email Trevor.
40+ lender relationships
National brokerage platform
Human advisor-led review