Loans for Retired Individuals

Easy application – 3 Simple steps – 24 Hour approval

Start your online application for a home equity loan today. Complete the convenient online application process in just minutes. We’ll be following up with you shortly with a no-obligation, customized quote and consultation.

Apply Now

Use the form on this page to apply online or call 1-800-587-2161 to speak with our brokers.

Get Approved Today

In as little as 24 hours. Your home equity is the key to your loan approval. Get approved now.

Get Your Money

We make it easy. Loan funds can be deposited directly into your bank account.

Whether its $10,000 or $500,000 – Alpine Credits is Your Best Alternative to the Bank

As some of you may have encountered already, obtaining a loan from the bank can be a difficult and lengthy process with lots of ‘hoops’ to jump through to meet the banks stringent lending criteria. If you are retired with a limited income or are collecting payments from a public or private pension plan, getting a loan from the banks can be even more difficult as they may deem the pension income insufficient to support the new debt payments. Fortunately, there is a lender that can provide you with a loan regardless of your credit, age or income – since 1969, Alpine Credits has been Canada’s home equity lender that has helped many retirees obtain the financing they need for their retirement or family needs.

Qualifying for a Home Equity Loan as Retired Individuals or Pensioners

Whether its retirement needs or dreams, temporary cash requirements or money to help your family, Alpine Credits can help and, Alpine Credits’ lending parameters are the same for retirees and those working full-time – we are home equity lender and the main criteria we consider is the amount of equity you have in your home. If you have found yourself in need of a loan and believe the bank won’t be able to help you because you are retired with a limited income, please call and speak to one of our lending specialists at 1-800-587-2161 or complete our simple online application and one of our lending specialists will call you back. Our lending specialists will work with you to understand your situation and recommend the best loan structure for your needs. Remember, at Alpine Credits, Homeowners get approved.

How a home equity loan works

First, calculate how much equity you have in your home or real estate. Once you’ve determined your equity value you could have access to a portion of that equity within a short period of time. Use the following equation to calculate how much home equity you have. We offer home equity loans in the provinces of British Columbia, Alberta and Ontario.


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