Specialized Mortgages

At Equitable Bank, we’re committed to offering your clients competitive rates with options tailored to their unique financial situations. Our smart mortgage solutions cater to your clients from all walks of life. From salaried professionals to self-employed individuals, seasoned real estate investors to newcomers in Canada, our smart, no-nonsense banking approach is inclusive of all types of credit profiles.

Bottom line? We’re here for you. Our expert team designs the tailored solution, facilitates the transaction, and handles all the documentation, so you can focus on thriving in your business.

Reach out to our sales expert:

Jordan Walters-Tapper

Jordan Walters-Tapper
Internal Business Development Rep
jwalters@eqbank.ca
647-205-8332

Do you have a potential client(s)?

If this is your first referral, kindly complete the Wealth Advisor Agreement for the Referral Program. After you sign the form, our team will be automatically notified and will get in touch with you.

What makes us different:

Our challenger mindset

We think outside the conventional box and look beyond credit scores to open doors – whether your clients are new to Canada, self-employed or have limited credit history.

Emphasis on service

Unrivalled service when and where it’s needed.

Competitive offerings

From rates to fees, we provide value at every step and in all our mortgage options.

Our Niche Segments

  1. Business for Self (BFS) – Clients with non-traditional sources of income (bank statements)
    1. Registered small to large business owners (minimum 6 months) such as sole proprietor/partnerships and corporation
    2. Non-registered business owners include service providers, commissioned salespeople, contract employees, clients with gratuity-based income
  2. Real estate Investors with single as well as multiple rental units, assessed with a flexible/non-traditional income approach
  3. Imperfect credit applicants with unique personal situations
  4. Newcomers with limited or no credit

Our solution-driven portfolio

Product Who is it for? Availability
Fixed Mortgage Clients who are looking to protect themselves from rate increases and like the predictability of fixed rates. National
Open Mortgage Clients who need a short-term mortgage solution. Offered at a competitive rate on a one-year term. National
Adjustable Rate Mortgage (ARM) Clients who are looking for a more flexible and longer-term solution, may benefit from the ARM. If rates decrease, your clients’ payments will too, boosting their cash flow and can be locked into a fixed rate at any time. National
Extended Ratio Program (ERP) Clients who could benefit from higher debt service ratios, where other key attributes are considered, such as assets. GTA, GVA
Total Worth Program (TWP) For some clients, standard income calculations don’t accurately portray their true financial picture. TWP allows these clients to qualify based on their net worth excluding down payment or equity. National
Reverse Mortgage For clients 55+ who could benefit from accessing their home’s equity in tax-free cash. No payments are required until the client moves or sells their home. Cities and large towns across ON, BC, AB and QC
HELOC Equitable Bank’s Home Equity Line of Credit (HELOC) is designed to help clients manage their finances. Our HELOC gives them flexible access to funds any time to finance large purchases, home renovations or unexpected home repairs. Or it may simply be their rainy-day fund. National except Quebec

Make a referral

Referring Advisor Details

Referring Advisor Details

To start using the Equitable Bank Lending Referral Program, fill in the requested information.

Referred Product

Client Details

Client Opt-in

The information you provide will only be used to contact you and your client to initiate the referral process. We will not retain the information
you submit for any other purpose. By selecting Submit within this form, you are consenting to sending the information to Equitable Bank.