Alpine Credits Review 2026Apply Now Check if I Qualify ↓
Written and analysed by Smarter Loans Editorial Team · Reviewed by Rafael Rositsan
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Four questions checked against Alpine Credits's published criteria, per product. No application started.
Alpine Credits lends against the home. First or second mortgage, four provinces, and ownership is the whole gate.
Alpine writes both first and second mortgages. Position sets the price: a first mortgage starts lower, while a second, sitting behind an existing lender, carries the higher published rate.
The published timeline from application to money is under a week. The trade for that speed is the collateral: this is equity lending, and the home secures every dollar of it.
18 reviews from borrowers who used Alpine Credits. Each is submitted by a verified borrower and moderated for authenticity; it renders as written, positive or not, and lenders cannot remove it.
I have dealt with a few banks for financing and mortgages, and it is a painful process, but Alpine Credits has made everything so simple and easy for us.
Alpine Credits helped me out when my bank wouldn't. Their terms were clear, easy to understand and transparent. I got the money I needed fast.
The folks at Alpine Credit are nice and friendly. They followed up with me a few times to make sure I was happy with their service.
The service we received was great along with overall process.
During these difficult times, I was in a position where I needed access to cash quickly. Due to my credit score and income, I wasn't able to get approved through TD bank, and so I researched some alternative lenders and Alpine Credits came through. The process didn't take long from application to funding so I am feeling really blessed to be in a better position.
During these difficult times, I was in a position where I needed access to cash quickly. Due to my credit score and income, I wasn't able to get approved through TD bank, and so I researched some alternative lenders and Alpine Credits came through. The process didn't take long from application to funding so I am feeling really blessed to be in a better position.
I would like to thank Bev at Alpine Credits for quick and easy processing my Consolidation Loan Application. Her attention to communicate the details with patience and kindness was outstanding. She made sure I understand all the options and I felt my best interest was a priority. I would recommend to anyone looking for help with this type of financial service. Persaud, R
I applied for a home equity loan with Alpine Credits and had a great experience. Thank you!
We were able to utilize the equity of our home to get a loan and renovate our basement turning it into an income property with the help of Alpine.
Alpine Credits came through when the banks didn’t. Highly recommend for homeowners.
Showing 10 of 18 reviews.
Alpine Credits has been helping people in British Columbia, Alberta and Ontario get home equity loans (home equity mortgage) since 1969 and they have funded over 1 billion dollars in loans. Home Equity Loans from Alpine Credits are a fast way to get money from your home regardless of your income or credit history. If you own a home then Alpine Credits can approve your home equity loan in as little as 24 hours and can get you funding in a matter of days.
Yes, Alpine Credit has been in business for over 50 years. They are a pioneer in the private lending market. They have helped over 500,000 Canadian homeowners get home equity loans. Alpine Credit has been a BBB Accredited Business since 1994. All of Alpine Credits’ loans officers are licensed mortgage professionals.
Alpine Credits offers a home equity loan, second mortgages and debt consolidation loans.
Alpine Credits loans start at $10,000 and go up to $500,000.
The interest rate on an Alpine Credits loan varies depending on the type of loan. The interest rate on a first mortgage loan starts at 5.75% and the interest rate on a second mortgage loan starts at 8.75%.
You can get up to a 2-year term on an Alpine Credits loan.
To qualify for an Alpine Credits loan, you must be a Canadian resident over 18 years of age, be a homeowner, provide government identification, supply a mortgage statement and property assessment. Before qualifying, you can also use their online equation that calculates how much home equity you have access to.
Yes, you can apply online for an Alpine Credits loan by filling out their 3-step approval process.
If approved, you can get a loan deposited into your bank account within a few days and you will find out if you're approved within 24 hours.
Alpine Credits deposits loan funds directly into your bank account, once approved.
Alpine Credits offers a flexible repayment schedule.
Alpine Credits is available in British Columbia, Ontario, Alberta and Quebec.
Whether you're applying for the first time or have questions, you can contact Alpine Credits customer support online through their web chat, email support, call centre and they even have a blog that shares helpful topics.
You can apply for an Alpine Credits loan anytime online, 24/7. Their call centre hours are from Monday to Friday between 8AM to 6PM EST.
