Licensed Mortgage Brokerage · Alberta, BC & Ontario
Edmonton 780 498 6996 Calgary 403 618 0775 Vancouver 778 786 7225
★★★★★ 4.9/5
1,000+ homeowners approved
25+ years in business
Cash-Out Mortgage

Turn Your Home Equity Into Cash

for only $731.55 per month

Based on 7.5% rate, 25-year amortization on a $100,000 cash-out

Unlock the equity you've built in your home. Consolidate debt, fund renovations, or access cash — even with bad credit, self-employment, or an existing mortgage. We Say Yes.

Find Out If You Qualify

Get your free cash-out estimate — no credit check, no obligation.

No credit check to start  ·  100% confidential  ·  Reply within 24 hrs

25+
Years in mortgage lending
40+
Lender partners
3
Major cities served
1000s
Homeowners approved

Your home is worth more than your mortgage

Most homeowners have tens of thousands in untapped equity. A cash-out mortgage lets you use it — without selling, without refinancing your entire first mortgage.

Consolidate High-Interest Debt

Roll credit cards, car loans, and personal debts into one lower monthly payment. Home equity rates are dramatically lower than consumer credit — save thousands and simplify your finances.

Fund Home Renovations

The kitchen update, the basement suite, the landscaping — renovations funded with home equity are cheaper than credit cards or personal loans, and they add real value to your property.

Access Cash for Life's Big Moments

Starting a business, covering a major expense, investing in real estate — use your equity for what matters to you. Your home works for you, not just the bank.

Keep Your Existing First Mortgage

No need to refinance your current mortgage, break your term, or lose your existing rate. A 2nd or 3rd mortgage lets you access equity without disrupting your primary financing.

Access your equity in 3 simple steps

We've streamlined the cash-out process so you can get funded fast — without the hassle of a full refinance.

01

Apply

Fill out our quick form or call your nearest office. We'll ask a few simple questions about your property and how much equity you'd like to access.

02

Get Approved

We match your situation to the right lender from our network. Most cash-out applications are reviewed within 24 hours.

03

Access Your Cash

Once approved, funds are deposited to your account. You keep your existing first mortgage intact and access the equity you've earned.

Edmonton · Calgary · Vancouver

Not sure how much equity you have? Let's find out.

Call us today for a free, no-obligation equity assessment. We'll tell you exactly what your home is worth and how much cash you could access — regardless of your credit situation.

Cash-out mortgage questions, answered

What is a cash-out mortgage?
A cash-out mortgage (also called a cash-out refinance) lets you borrow against the equity you've built in your home. You receive a lump sum of cash while keeping or replacing your existing mortgage. It's ideal for homeowners who have significant equity but want to avoid selling.
How much equity can I access?
It depends on your home's value and what you currently owe. Most lenders let you borrow up to 80% of your home's value minus your existing mortgage. A licensed broker from Titus Financial can give you an exact figure after a quick conversation — no commitment required.
Will this affect my existing first mortgage?
Not necessarily. We can often arrange a 2nd mortgage or 2nd charge that sits behind your existing first mortgage — meaning you keep your current rate, term, and lender. We only refinance the first if it's clearly the best option for your situation.
Can I get a cash-out mortgage with bad credit?
Yes. Home equity is the key factor, not just your credit score. Titus Financial works with lenders who approve homeowners across the full credit spectrum — including bruised credit, consumer proposals, and self-employed income. Your equity opens doors that your credit score alone cannot.
How long does a cash-out mortgage take to fund?
Most applications are reviewed within 24–48 hours. Deals commonly fund within 5–10 business days from your initial application. We prioritize speed because we know equity access is often time-sensitive.
Is there a minimum loan amount?
Minimum loan amounts vary by lender. Generally, we work with cash-out amounts starting at $25,000. If you need less, we can discuss alternatives. Contact us and we'll match you with the right product.
Do you serve all of Alberta and BC?
Yes — Titus Financial has offices in Edmonton, Calgary, and Vancouver. We serve homeowners across the full province of Alberta and British Columbia.