Terms & Conditions: Hello Money helps Canadian homeowners explore secured home loan options through licensed mortgage professionals and partner lenders. Interest rates typically range from 5%–16%, with loan terms from 1–5 years. Advertised rates such as 9.99% are examples based on typical customer outcomes and are not guaranteed. Actual rates, terms, and loan amounts depend on credit profile, property equity, income verification, and lender requirements. All loans are subject to approval.Secured home loans use your property as collateral and may include fees such as administration, appraisal, legal, or title costs. These fees will be disclosed in your loan agreement. Applicants must be Canadian residents, at least 18 years old, and own a home. Approval, rates, and terms may change based on lender criteria and market conditions. Applying will not affect your credit score unless you choose to proceed with a full application and credit check.Hello Money is operated by Ayaz Virani (Mortgage Agent Level 2, Lic. #M23008222) under 8Twelve Mortgage Brokerage (Ontario License #13072). Hello Money is not a direct lender and is not affiliated with any government agency or credit bureau. Loan products are offered through licensed lenders and mortgage professionals. Failure to repay a secured loan may result in foreclosure. Please borrow responsibly.