Renovation
Kitchen, bath, addition or full-home project. Compare ways to fund the work without defaulting to high-cost credit.
Explore renovation options →Your project. One clear funding plan.
Put your equity to work without forcing your project into one box.
Tell us what you want to accomplish. We review your available equity, applicable incentives and realistic financing structures across 40+ lenders, then give you a no-obligation EquityFlex Funding Plan with a real mortgage advisor guiding the process.
1 planbuilt around your project
40+lender relationships
Humanadvisor-led review
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.
Legal suite
Fund a legal basement or secondary suite and explore equity, refinance and rental-income strategies.
Explore suite financing →Debt & cash flow
Restructure higher-interest 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 →Age-in-place renovations
Accessibility, safer bathrooms, ramps, lifts or main-floor living. Compare traditional equity, reverse mortgage and applicable incentive paths.
Build my age-in-place plan →Financing + incentives
We look beyond the loan.
Where available, 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.
What you get
Your EquityFlex Funding Plan.
Before you choose a lender or financing structure, we organize the project into one clear review. You see what may be available, what it could cost and which route appears most suitable for your goals.
Available equity
See how much equity may realistically be accessible based on the property, existing mortgage and lender guidelines.
Funding options
Compare refinance, HELOC, second mortgage and alternative or private structures where appropriate.
Grants & incentives
Identify applicable grants, rebates and government programs where available, then account for them in the funding plan.
Cost comparison
Understand the payment, rate, fees, flexibility and trade-offs of the realistic financing paths.
Recommended structure
Get a clear recommendation on the route that appears most suitable, plus the practical next steps to move forward.
No obligation. No credit check is required to start the project review.
Start my funding planA 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 clear funding plan in three simple steps.
01
Tell us the project
Share the goal, rough amount, property value and what matters most to you. No credit check is required to start.
02
We build the Funding Plan
Your advisor reviews available equity, applicable incentives and realistic structures across 40+ lender relationships.
03
You choose what to do
See the recommendation and trade-offs clearly before deciding whether you want to move forward.
Start your EquityFlex Funding Plan
Tell us about your project.
Share a few basics. Trevor will review your available equity, applicable incentives and realistic financing structures, then come back with a no-obligation funding plan and quote where appropriate.
✓ No obligation ✓ No credit check to start ✓ Real advisor follow-up
Your EquityFlex advisor
Trevor Berry
Mortgage Associate • Perch Mortgage Brokerage
Your project review comes directly to Trevor. He’ll look at the project, available equity, realistic lender paths and applicable incentives, then explain the trade-offs in plain language.
40+ lender relationships
National brokerage platform
Human advisor-led review