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Line Of Credit Waterloo & Kitchener – Access Mortgage

Do you have bad credit or no credit? Are you self employed or have unprovable income? Are you currently in debt to multiple creditors or have filed for bankruptcy in the past? Are you looking for a mortgage broker that can help you secure a line of credit in Waterloo or Kitchener? Well if so, Access Mortgage is the company for you. We can assist you with getting a line of credit in Waterloo or Kitchener because we represent over 400 private and institutional lenders that specialize in subprime lending. A line of credit can be secured or unsecured, but Access Mortgage focuses solely on secured lines of credit for our clients. Read on for more information about how Access Mortgage can help you get a line of credit.

Click here to schedule a call with an Access Mortgage professional about how we can help you!

What are some different line of credit options:

Secured Line Of Credit:

With a secured line of credit, you use an asset as collateral for the line of credit. For example, the asset could be your car or your home. If you don’t pay back what you owe, the lender can take possession of that asset. The advantage is that you can get a lower interest rate than with an unsecured line of credit.

Home Equity Line Of Credit (HELOC):

A home equity line of credit is a type of secured credit where your house acts as collateral. It usually has a higher credit limit and lower interest rate than other loans and lines of credit.

Unsecured Line Of Credit:

With an unsecured line of credit, the loan isn’t secured by any of your assets. Some types include personal lines of credit and student lines of credit.

Personal Line Of Credit:

A personal line of credit may be used for unexpected expenses or consolidating higher interest rate loans. Interest rates are usually lower than for credit cards and personal loans.

How does a line of credit in Waterloo and Kitchener work?

A line of credit works in a similar way to a credit card, in that you have the freedom to use the funds when it best suits you. An advantage to a LOC versus a credit card is that the interest rate is usually considerably lower. In addition, a line of credit usually comes with a much higher account limit for spending, whereas a credit card’s limit is much lower. You will also receive a monthly statement showing your balance, your minimum payment due, and summary of interest and fees. As long as you draw down the funds, you’ll be required to repay the money each month, as agreed with your financial institution.

Access Mortgage can assist you with getting a secured line of credit in Waterloo or Kitchener so that you can get back on the path towards debt relief. Our professional team will work for you to find you the lowest rates possible for your individual situation. For more information about a line of credit, please feel free to continue browsing through our website. Click here to find our contact information and to fill out our contact form.

WHAT PEOPLE ARE SAYING…

  • “Rent-to-own made possible”
    We would like to thank Matthew and his team. We put a lot of money down on a Rent to Own property that we were renting, but we could not get anyone to help us out till we found Mathew. He made it happen and closed on time when know no one else could. From all of us here THANK YOU! We now own our own house!

    C.T., HAMILTON, ON
  • “Best Mortgage Team I've worked with”
    Matthew and his team are the best mortgage team I have ever worked with. They are extremely hard working and bend over backwards to get the job done no matter how complicated or difficult. If there is a way – they will find it. And it will be in YOUR favor. Matthew goes out of his way to set you on a path of success. This is our second mortgage process we have gone through with Matthew, and we are in a better position now than we were the 1st time – all due to Matthews efforts and guidance. After following his recommendations and guidance over the next year we will use Matthew again for our next mortgage and be in an even better position then. If you need a mortgage done, no matter how complicated, call Matthew. He’ll make it happen.

    M.Z. BRANTFORD, ON
  • “No hesitation recommending”
    Matthew’s knowledge, experience and above and beyond work ethic sets an exemplary standard of professionalism and accountability. His integrity and drive is second to none… He truly is a miracle worker!! I have no hesitation in recommending his services to anyone seeking expert assistance. I’m beyond grateful and blessed!!

    M.D., BINBROOK, ON
  • “A tough deal that others could not do!”
    Access mortgage did a great job in getting us a mortgage. It was a tough deal and they were able to get it done when others couldn’t. I would not hesitate to use them again.

    BEA - CAMBRIDGE, ON
  • “Seamless from beginning to end!”
    I just want to say 'thank you' to all of you, especially Matthew. The financial stress started affecting my health and my life. I could not sleep or focus at work. Now it has given me control on my life by connecting me to a great lender. I have gone from being full of stress to being stress-free.

    JULIE - HAMILTON, ON
  • “From full of stress to stress-free”
    I just want to say ‘thank you’ to all of you, especially Matthew. The financial stress started affecting my health and my life. I could not sleep or focus at work. Now Access Mortgage has given me control on my life by connecting me to a great lender. I have gone from being full of stress to being stress-free.

    M.D., MISSISSAUGA, ON
  • “Patient with deep understanding”
    Thank you for all the help that you gave me, most patiently and with deep understanding. I was very comfortable asking you everything and anything. Your team did great job in making me understand the financial side. I have learnt a lot. Thanks to Matthew for taking time to come to my place. He not only did his work, but for a short time, took me back to most nostalgic memories of my life, before I came to Canada. I am also grateful to the lawyer for coming to my place to meet with me, and quickly closing the mortgage and releasing the funds.

    S.S., MISSISSAUGA, ON
  • “Got creditors off our back”
    I can’t say enough how great your company has been. Matthew, thank you so much for making all of this process so easy for us. Our bank would not help us and you were amazing. Your company kept us informed every step of the way, and not once were we made to feel inferior like our bank did. The lawyers you set us up with were also awesome. I will highly recommend your company to anyone looking for mortgages. Thank you so much for getting creditors off our back and setting us on the right track. You guys are all amazing. I’m also so impressed that you came to us do to everything.

    K.K.P., HAMILTON, ON
  • “Best mortgage team I’ve worked with!”
    Matthew and his team are the best mortgage team I have ever worked with. They are extremely hard working and bend over backwards to get the job done no matter how complicated or difficult. If there is a way – they will find it. And it will be in your favour. Matthew goes out of his way to set you on a path of success. This is our second mortgage process we have gone through with Matthew, and we are in a better position now than we were the 1st time – all due to Matthews efforts and guidance. After following his recommendations and guidance over the next year we will use Matthew again for our next mortgage and be in an even better position then. If you need a mortgage done, no matter how complicated, call Matthew. He’ll make it happen.

    C.H. - ST. CATHARINES, ON
  • “Extremely Fast!”
    Access Mortgage was extremely fast and explained everything well. We were very happy with their professional service and honesty. I would definitely refer them.

    LISA - BRANTFORD, ON
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