Your home has been quietly building value for years. Turn that equity into real, spendable funds — to consolidate debt, buy a car, take a trip, or renovate. Whatever it's for, it's yours.
We're not a everything-app. Motiva does one thing — home equity — and we do it without the runaround.
Apply in minutes, entirely online. Access the equity you've already built for whatever comes next.
Start an application →See what's available before you apply — no forms, no email required, just your numbers.
Try the calculator →A real person, not a script. Call and ask us anything before you commit to anything.
Call 604-424-8244 →Fold high-interest balances into one simple payment, backed by your home's equity.
Skip the dealership financing markup and fund a vehicle on your own terms.
The vacation you've been putting off, paid for without touching your savings.
Kitchen, roof, basement suite — improve the place that's already improving your net worth.
Most lenders will let you borrow up to 75% of your home's appraised value, minus whatever's left on your first mortgage. This is a quick estimate — your advisor will confirm the exact number.
Estimate only, for illustration purposes. Actual available equity depends on property type, appraised value, credit profile, and individual lender guidelines.
Tell us about your home and what the funds are for. No obligation, no hard credit check to start.
A Motiva advisor reviews your equity position and matches you with the right loan structure.
Sign, fund, done. Most clients see funds within days of final approval.
Most lenders allow up to 75% of your home's appraised value, minus what's left on your first mortgage. Use the calculator above for a quick estimate, or apply and we'll confirm the exact number.
No. Starting an application with Motiva does not trigger a hard credit check. We'll only run one, with your consent, once you're ready to move forward with a specific offer.
It depends on your situation — we'll walk you through whether a second mortgage, a HELOC, or a refinance of your first mortgage makes the most sense for what you're trying to do.
That's normal — most applicants do. The calculator above already accounts for your outstanding first mortgage balance when estimating what's available.
Once you're approved and documents are signed, most clients see funds land within a few business days.
Takes about two minutes. A real person from Motiva will follow up — no automated runaround.
No obligation. No hard credit check to apply. Just a real answer, fast.
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