Private HELOCs from 7.75% for Aurora properties. Built for executives, professionals, and established Aurora families with significant equity and capital needs the bank can't move on quickly.
Aurora occupies a specific niche in York Region — established, upper-middle-class, family-focused, with a high concentration of professional and executive households. Average home prices sit around $1.12M in early 2026, with detached homes in Aurora Estates, Hills of St Andrew, and Aurora Highlands regularly trading at $1.3M-1.7M+.
The Aurora homeowner profile is heavily skewed toward two-income professional households and self-employed business owners. Both groups face the same problem with bank HELOC qualification: significant real wealth tied up in equity, but income documentation that doesn't always reflect the full earning picture.
Private HELOCs serve Aurora well because the equity positions are substantial enough to support meaningful loan sizes, the borrower profiles are typically clean, and the use cases (investment property, business expansion, helping adult children, renovations, cottage purchases) are exactly what private HELOC programs handle best.
You're a doctor, lawyer, accountant, or consultant paid through a corporation. Personal income on paper is controlled. Real wealth is in retained earnings the bank doesn't see. We see the property and the equity.
Aurora professionals are active investment property buyers. HELOC funds the next acquisition without disturbing existing rental file mortgages or going through 60-day bank approval.
Your kids are buying their first home in Aurora, Newmarket, or East Gwillimbury. HELOC funds the down payment cleanly so they can compete with cash-rich offers.
Aurora renovations frequently exceed $200,000 — full kitchens, additions, finished basements with home theatres, pool installations. HELOC funds the work without restructuring the existing first mortgage.
Lake Simcoe, Muskoka, Haliburton — all within reasonable distance. HELOC funds the cottage purchase outright or with strong down payment.
You've identified a larger Aurora estate home but haven't sold yours. HELOC bridges the down payment so you can write a clean offer, then discharge it on closing of your sale.
A professional couple in Hills of St Andrew owns a detached home worth $1.5M with a $375,000 first mortgage. They want to access $300,000 for two purposes: $200,000 as down payment on an investment condo in Newmarket, and $100,000 for a kitchen and primary bathroom renovation. A second-position private HELOC at $300,000 puts combined LTV at 45%. Rate band: 10.50-11.25%. Interest-only payments on $300,000: approximately $2,625-2,815/month. The investment condo will rent for approximately $2,400/month, more than covering most of the HELOC payment. Time to funded: typically 10-14 days.
Aurora Estates, Hills of St Andrew, Aurora Highlands, Aurora Heights, Aurora Village, Bayview Wellington, Bayview Northeast, Bayview Southeast, Rural Aurora, Stronach Industrial.
Detached, semi-detached, townhouse, and most condos qualify. Rental properties qualify with a 0.25% rate premium. Properties in surrounding rural and edge communities considered case-by-case.
If your bank will give you the line you need at their rate, take it — bank HELOCs are cheaper. We help when the bank says no, when the bank says "yes but for less than you need," when you can't wait the 6-8 weeks bank approvals are now taking, or when your situation is too complex for an algorithm to underwrite.
For most clients, a private HELOC is a bridge — 12 to 24 months to get refinanced back to a bank product once income, credit, or property situation has stabilized. The fully open structure means there's no penalty when that time comes.
Tell us about your property and your situation. We'll come back within one business day with whether this fits, what rate band you'd be in, and what the next step looks like.
If it's not a fit, we'll tell you that too — and where else to look.
We'll review your file and come back within one business day. Check your email (including spam) for our reply.