Pay rent your way. Build credit doing it.
Split it across paydays when the month is tight.
Unlock the equity you already own.
A 9% line of credit against your home. $0 lender or broker fees.
Your ratios fail because of the exact debt you're trying to clear. That circle is what we built this for.
A low-cost line of credit secured against your home — draw down as you need.
Twelve months of interest on $50,000. Move the sliders and this moves with you.
Interest-only illustration at 9.00%. Not an offer of credit. Actual rate and approval subject to review.
Twelve months of interest on $50,000. Move the sliders and this moves with you.
Interest-only illustration at 9.00%. Not an offer of credit. Actual rate and approval subject to review.
One published rate — not 'as low as.' Subject to approval.
In lender or broker fees — on a $50,000 draw that's $3,000 you keep.
Keep the mortgage you have. No refinance, no breakage penalty.
Yes. NotchUp Equity is secured against your home, in second position behind your existing mortgage. If you stop paying, we have a legal claim on the property, the same as your first mortgage lender does. That is what makes 9.00% possible instead of 23%. We would rather you know that on this page than find it in a document.
Seeing your number takes a soft check, which does not affect your score. A hard check only happens if you decide to move forward after launch.
You keep it. We sit behind it. No refinance, no breakage penalty, no renegotiating the rate you locked in.
One published rate, not a teaser and not a range. There is no lender or broker fee on top. If you do not qualify, we say so — we do not re-price you upward and hope you sign.
Questions? Reach out to hello@notchup.app
NotchUp Equity is a line of credit secured against your home in second position. Borrowing against your home puts it at risk if you do not repay. Figures shown are illustrations at 9.00% interest-only and are not an offer of credit. Approval, valuation and provincial availability apply.
Rent is due the 1st, you get paid the 15th, and after ten years and $200,000 of rent paid on time your credit file has nothing to show for it.
NotchUp Rent pays your landlord from the app, reports every on-time payment to the credit bureaus, and — for the months when the 1st and payday don't line up — can split your rent across your paydays. $30 a month. Works with any landlord, including yours.
We pay your rent on the 1st — in full, on time.
You pay us back in two smaller payments, on your paydays.
Every on-time payment builds your credit.
Flat, never a percentage — $1,600 or $4,000, same price.
Works with a property manager and with the person who owns the basement suite. They don't have to know.
Of on-time rent, reported — one notch at a time.
Pay any landlord, however they like to be paid — Interac e-Transfer, pre-authorized debit or bill pay. Every on-time payment reported to the credit bureaus, so rent starts building credit history.
Your $30 membership covers paying your rent and reporting it to the bureaus. Splitting is an optional add-on for months when the timing is tight — we pay your full rent on the 1st, you repay across your next paydays, and you only pay for the days you use it.
Optional. 25% annual interest on what you borrow, for the days you borrow it. Subject to approval. Not required to use the membership.
A percentage of your rent isn't a small fee. It just looks like one.
No. We pay them the way they already like to be paid — e-Transfer, pre-authorized debit or bill pay. Nothing changes on their side.
Yes — it is credit. We pay your full rent on the 1st and you repay across your next paydays, with interest for the days it is outstanding. The membership itself involves no borrowing.
Because the balance only lives about two weeks, the dollars stay small — about $10 on $1,000. We disclose the annual rate because that is the honest number, but you pay for days, not years.
Missed payments on a Rent Split can be reported to the credit bureaus and can carry fees, the same as any credit product. Membership payment reporting works both ways too — that is the point of it counting.
Questions? Reach out to hello@notchup.app
The NotchUp Rent membership is $30 per month and involves no borrowing. Rent Split is optional and carries 25% annual interest on the amount borrowed for the days it is outstanding — about $10 on $1,000 carried fourteen days. Missed payments may carry fees and may be reported to the credit bureaus. Subject to approval.