LIVE MARKET DATA

5-Year Fixed: 4.14% ▼ 0.05%

5-Year Variable: 6.10% FIXED

3-Year Fixed: 4.59% ▲ 0.02%

Insured Rate: 3.99% ▼ 0.10%

Prime Rate: 7.20% UNCH

5-Year Fixed: 4.14% ▼ 0.05%

5-Year Variable: 6.10% FIXED

3-Year Fixed: 4.59% ▲ 0.02%

Insured Rate: 3.99% ▼ 0.10%

Prime Rate: 7.20% UNCH

SECURED LENDING

Secured Line
of Credit.

Leverage the equity in your home or property to secure a flexible, low-interest credit line. Whether you're funding a major purchase, consolidating debt, or building an emergency reserve — a Secured LOC puts you in control.

Get Your Rate Today

No obligation, no credit impact. Takes 5 minutes.

Financial planning for secured line of credit

Rates as low as

Prime + 0.50%

SECURED LOC ADVANTAGES

Why a secured credit line outperforms the rest.

Lowest Possible Rates

Because your property backs the loan, lenders offer prime-based rates that are 60-75% lower than unsecured lines of credit or credit cards. Over time, this saves you thousands in interest.

Higher Credit Limits

With security backing your application, lenders are able to approve significantly higher credit limits — often $100,000 to $500,000+ — giving you the financial capacity for major life moves.

Flexible Repayment

Most secured LOCs require interest-only minimum payments. Pay down on your own schedule and re-borrow as needed — giving you a permanent, affordable financial buffer.

HOW IT WORKS

From application to
funding in days.

Quick Application

Complete our streamlined online form in under 5 minutes. We'll need basic income details, your property address, and any existing mortgage information.

Property Valuation

We arrange a property appraisal to confirm your home's market value. Your credit limit is based on the available equity — the gap between your home's value and your outstanding mortgage.

Lender Selection & Funding

We present offers from our network of 30+ lenders. Once you choose the best fit, the credit line is registered and your funds are available within days.

COMPARE OPTIONS

Secured LOC vs. other credit.

Feature	Secured LOC	Unsecured LOC	Credit Card
Typical Rate	Prime + 0.5%	Prime + 3-5%	19.99%+
Credit Limit	$100k – $500k+	$5k – $50k	$5k – $25k
Revolving Access	✓	✓	✓
Tax Deductible*	Possible	Rarely	No

*Interest may be tax-deductible when funds are used for investment purposes. Consult a tax professional.

SECURED LOC FAQ

Common questions.

What's the difference between a HELOC and a Secured LOC?

A HELOC (Home Equity Line of Credit) is a specific type of secured line of credit that's backed exclusively by your primary residence. A Secured LOC can be backed by other assets as well — including investment properties, vacation homes, or commercial real estate. The broader "Secured LOC" term covers any credit line with a property-backed guarantee.

Will applying affect my credit score?

Our initial consultation and pre-qualification use a soft credit check, which does not impact your credit score. A hard inquiry is only performed once you formally commit to a lender's offer.

Can I convert my Secured LOC to a fixed-rate loan?

Many lenders offer "segment and fix" options where you can convert portions of your outstanding balance into a fixed-rate term loan. This gives you the flexibility of a revolving line with the predictability of a fixed payment when you need it.

Put your property's equity to work for you.

It takes less than 5 minutes to see what rate and limit you qualify for. No obligation, no pressure — just clear numbers.

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