{"id":1371,"date":"2024-12-05T19:24:36","date_gmt":"2024-12-05T19:24:36","guid":{"rendered":"https:\/\/www.fatcatloans.ca\/blog\/?p=1371"},"modified":"2026-03-24T06:57:34","modified_gmt":"2026-03-24T06:57:34","slug":"heloc-vs-personal-loan-canada","status":"publish","type":"post","link":"https:\/\/www.fatcatloans.ca\/blog\/heloc-vs-personal-loan-canada\/","title":{"rendered":"HELOC vs Personal Loan Canada: Which Borrowing Option Fits You?"},"content":{"rendered":"<p>Choosing between a HELOC and a personal loan in Canada depends on home equity, repayment preference, and risk tolerance. HELOCs use home equity and offer variable access, while personal loans provide fixed payments and terms. Reviewing <a href=\"https:\/\/www.fatcatloans.ca\/blog\/personal-loan-requirements-canada\/\"><strong>personal loan requirements in Canada<\/strong><\/a> helps determine which option fits your situation.<\/p>\n<h2>HELOC vs Personal Loan Canada<\/h2>\n<p>If you\u2019re a Canadian homeowner facing a major expense, navigating the choice between a <strong>HELOC vs personal loan Canada<\/strong> can feel overwhelming. On one hand, a Home Equity Line of Credit (HELOC) taps into your home\u2019s value and offers flexibility. On the other, a personal loan delivers a fixed-term, fixed-payment solution without collateral. This article dives into the key differences, benefits, risks and suitability of each. By comparing HELOC vs personal loan Canada, you\u2019ll gain clarity on which option can support your financial goals responsibly.<\/p>\n<p>Looking for borrowing alternatives? Explore our <a class=\"decorated-link cursor-pointer\" href=\"https:\/\/www.fatcatloans.ca\/loans\/personal-loans\/\" rel=\"noopener\">Personal Loans<\/a> page or check <a class=\"decorated-link cursor-pointer\" href=\"https:\/\/www.fatcatloans.ca\/loans\/home-equity-release\/\" rel=\"noopener\">Home Equity Loans<\/a> for other secured options.<\/p>\n<h2>What Does \u201cHELOC vs Personal Loan Canada\u201d Mean?<\/h2>\n<p>When debating <strong>HELOC vs personal loan Canada<\/strong>, you\u2019re essentially choosing between two very different borrowing structures:<\/p>\n<ul>\n<li><strong>HELOC (Home Equity Line of Credit):<\/strong> a revolving credit line secured by your home\u2019s equity.<\/li>\n<li><strong>Personal Loan:<\/strong> an unsecured loan (in most cases) with a set amount, fixed term and fixed payments.<\/li>\n<\/ul>\n<p>Each has unique features, advantages and considerations. To choose wisely, you must understand how both work in the Canadian context.<\/p>\n<h2>How a HELOC Works in Canada<\/h2>\n<p>A <strong>HELOC vs personal loan Canada<\/strong> comparison begins by understanding the mechanics of a HELOC:<\/p>\n<ul>\n<li>You apply to your lender and they determine a credit limit, usually a percentage of your home\u2019s equity.<\/li>\n<li>You borrow only what you need (up to the limit) and pay interest on the amount drawn.<\/li>\n<li>Rate is often variable, tied to the lender\u2019s prime rate plus a margin.<\/li>\n<li>Payments may be interest-only during a draw period, then shift to principal &amp; interest.<\/li>\n<li>Because your home acts as collateral, you generally receive lower interest rates than unsecured products.<\/li>\n<\/ul>\n<h3>HELOC Key Features<\/h3>\n<div class=\"_tableContainer_1rjym_1\">\n<div class=\"group _tableWrapper_1rjym_13 flex w-fit flex-col-reverse\" tabindex=\"-1\">\n<table class=\"w-fit min-w-(--thread-content-width)\">\n<thead>\n<tr>\n<th>Feature<\/th>\n<th>Typical HELOC Characteristic<\/th>\n<th>What to Note<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Collateral<\/td>\n<td>Secured by home\u2019s equity<\/td>\n<td>Failure to repay = risk to home<\/td>\n<\/tr>\n<tr>\n<td>Interest Rate<\/td>\n<td>Variable (Prime + margin)<\/td>\n<td>Rate may rise if prime increases<\/td>\n<\/tr>\n<tr>\n<td>Repayment<\/td>\n<td>Minimum interest-only or amortisation<\/td>\n<td>Prolonged interest-only may extend debt<\/td>\n<\/tr>\n<tr>\n<td>Flexibility<\/td>\n<td>High: withdraw, repay, redraw<\/td>\n<td>Discipline needed to avoid overspending<\/td>\n<\/tr>\n<tr>\n<td>Best Use<\/td>\n<td>Ongoing, flexible or large expenses<\/td>\n<td>Not ideal for short, fixed-term borrowing<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<h2>How a Personal Loan Works in Canada<\/h2>\n<p>When you compare <strong>HELOC vs personal loan Canada<\/strong>, you also need to assess the personal loan route:<\/p>\n<ul>\n<li>You apply and borrow a fixed amount, credited to your account once approved.<\/li>\n<li>You repay in equal monthly payments over a set term (e.g., 1\u20135 years).<\/li>\n<li>Interest is usually fixed (or sometimes variable) and you\u2019re not using your home as collateral (for unsecured loans).<\/li>\n<li>Rates tend to be higher than a secured HELOC but lower than many credit cards.<\/li>\n<li>Suited for one\u2010time costs with a clear repayment plan.<\/li>\n<\/ul>\n<h3>Personal Loan Key Features<\/h3>\n<div class=\"_tableContainer_1rjym_1\">\n<div class=\"group _tableWrapper_1rjym_13 flex w-fit flex-col-reverse\" tabindex=\"-1\">\n<table class=\"w-fit min-w-(--thread-content-width)\">\n<thead>\n<tr>\n<th>Feature<\/th>\n<th>Typical Personal Loan Characteristic<\/th>\n<th>What to Note<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Collateral<\/td>\n<td>Usually unsecured<\/td>\n<td>Stronger credit required<\/td>\n<\/tr>\n<tr>\n<td>Interest Rate<\/td>\n<td>Fixed or variable<\/td>\n<td>Predictable payments if fixed<\/td>\n<\/tr>\n<tr>\n<td>Repayment<\/td>\n<td>Equal monthly payments<\/td>\n<td>Discipline needed, but paid off by end date<\/td>\n<\/tr>\n<tr>\n<td>Flexibility<\/td>\n<td>Lower than HELOC<\/td>\n<td>Amount and term are set<\/td>\n<\/tr>\n<tr>\n<td>Best Use<\/td>\n<td>Defined one-time needs<\/td>\n<td>Not ideal when you need revolving access<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<h2>Comparing HELOC vs Personal Loan Canada<\/h2>\n<p>Now let\u2019s directly compare <strong>HELOC vs personal loan Canada<\/strong> across key dimensions:<\/p>\n<div class=\"_tableContainer_1rjym_1\">\n<div class=\"group _tableWrapper_1rjym_13 flex w-fit flex-col-reverse\" tabindex=\"-1\">\n<table class=\"w-fit min-w-(--thread-content-width)\">\n<thead>\n<tr>\n<th>Comparison Factor<\/th>\n<th>HELOC<\/th>\n<th>Personal Loan<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Purpose &amp; Use<\/td>\n<td>Ideal for flexible, ongoing access<\/td>\n<td>Best for defined one-time expense<\/td>\n<\/tr>\n<tr>\n<td>Interest Rate<\/td>\n<td>Often lower due to security, but variable<\/td>\n<td>Typically higher, fixed rate means stability<\/td>\n<\/tr>\n<tr>\n<td>Repayment Terms<\/td>\n<td>Revolving or interest-only draw period<\/td>\n<td>Fixed term and fixed payments<\/td>\n<\/tr>\n<tr>\n<td>Collateral<\/td>\n<td>Home equity used as security<\/td>\n<td>Usually unsecured (unless a secured personal loan)<\/td>\n<\/tr>\n<tr>\n<td>Risk Exposure<\/td>\n<td>Home at risk if default<\/td>\n<td>No home security, but credit impact if default<\/td>\n<\/tr>\n<tr>\n<td>Suitability<\/td>\n<td>Large-scale projects, renovation, ongoing cash flow<\/td>\n<td><a href=\"https:\/\/www.fatcatloans.ca\/blog\/heloc-for-debt-consolidation-canada\/\">Debt consolidation<\/a>, major purchase, clearly defined cost<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<h2>Which Option Should You Choose?<\/h2>\n<h3>Choose a HELOC when you:<\/h3>\n<ul>\n<li>Own significant home equity and are comfortable with variable interest.<\/li>\n<li>Need access to funds over time (e.g., phased home renovation or ongoing tuition).<\/li>\n<li>Want lower rates and are disciplined about borrowing.<\/li>\n<\/ul>\n<h3>Choose a Personal Loan when you:<\/h3>\n<ul>\n<li>Have a definite cost (e.g., medical bill, appliance purchase, wedding) and want predictable payments.<\/li>\n<li>Prefer not to secure the loan against your home.<\/li>\n<li>Are okay with a slightly higher rate but value certainty.<\/li>\n<\/ul>\n<h2>Benefits of HELOC and Personal Loans (Canada)<\/h2>\n<h3>Benefits of HELOC<\/h3>\n<ul>\n<li>Potentially lower interest rate due to collateral.<\/li>\n<li>Access funds repeatedly.<\/li>\n<li>Flexibility in repayment during draw phase.<\/li>\n<\/ul>\n<h3>Benefits of Personal Loan<\/h3>\n<ul>\n<li>Fixed rate means payment predictability.<\/li>\n<li>No collateral (if unsecured).<\/li>\n<li>Easier to budget and pay off in full.<\/li>\n<\/ul>\n<h2>Risks and Considerations<\/h2>\n<h3>Risks of HELOC<\/h3>\n<ul>\n<li>Variable interest rates: Payments may escalate.<\/li>\n<li>Home is used as security: Risk of losing property on default.<\/li>\n<li>May tempt overspending due to easy access.<\/li>\n<\/ul>\n<h3>Risks of Personal Loan<\/h3>\n<ul>\n<li>Rates are usually higher than secured borrowing.<\/li>\n<li>Fixed payment means less flexibility in lean months.<\/li>\n<li>If you default, unsecured loans still harm credit and may lead to collections.<\/li>\n<\/ul>\n<h2>How to Qualify and Secure Better Terms<\/h2>\n<p>When comparing <strong>HELOC vs personal loan Canada<\/strong>, these factors influence approval and terms:<\/p>\n<ul>\n<li><strong>Credit Score &amp; History<\/strong> \u2013 Stronger credit opens better options.<\/li>\n<li><strong>Debt-to-Income Ratio (DTI)<\/strong> \u2013 Lower DTI improves terms.<\/li>\n<li><strong>Property Value &amp; Equity<\/strong> (for HELOC) \u2013 Higher equity = lower risk to lender.<\/li>\n<li><strong>Loan Amount &amp; Term<\/strong> \u2013 Smaller amount or shorter term = better rate.<\/li>\n<li><strong>Employment &amp; Income Stability<\/strong> \u2013 Increases lender confidence.<\/li>\n<\/ul>\n<p><strong>Pro tip:<\/strong> If you don\u2019t yet qualify for ideal HELOC terms, you can check unsecured personal loans via our <a class=\"decorated-link cursor-pointer\" href=\"https:\/\/www.fatcatloans.ca\/loans\/personal-loans\/\" rel=\"noopener\">Personal Loans<\/a> page and revisit HELOC when equity or credit improves.<\/p>\n<h2>Use Cases: HELOC vs Personal Loan Canada<\/h2>\n<h3>HELOC Use Cases<\/h3>\n<ul>\n<li>Multi-stage home renovation over 2\u20135 years.<\/li>\n<li>Debt consolidation when you want access over time.<\/li>\n<li>Emergency fund cushion you can draw on as needed.<\/li>\n<\/ul>\n<h3>Personal Loan Use Cases<\/h3>\n<ul>\n<li>A fixed-cost expense like a wedding, medical bill or car purchase.<\/li>\n<li>Consolidating several credit cards into one predictable payment.<\/li>\n<li>One-time investment with clear budget and payoff plan.<\/li>\n<\/ul>\n<h2>Cost Comparison Example<\/h2>\n<p>Let\u2019s illustrate by comparing cost for a $30,000 project using both options.<\/p>\n<div class=\"_tableContainer_1rjym_1\">\n<div class=\"group _tableWrapper_1rjym_13 flex w-fit flex-col-reverse\" tabindex=\"-1\">\n<table class=\"w-fit min-w-(--thread-content-width)\">\n<thead>\n<tr>\n<th>Borrowing Option<\/th>\n<th>Loan Type<\/th>\n<th>Amount<\/th>\n<th>Rate<\/th>\n<th>Term<\/th>\n<th>Estimated Monthly Payment<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>HELOC<\/td>\n<td>Variable<\/td>\n<td>$30,000<\/td>\n<td>Prime + 0.75% (e.g., 8%)<\/td>\n<td>Open<\/td>\n<td>~$200 (interest only)<\/td>\n<\/tr>\n<tr>\n<td>Personal Loan<\/td>\n<td>Fixed<\/td>\n<td>$30,000<\/td>\n<td>9.99%<\/td>\n<td>5 years<\/td>\n<td>~$638<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<p><strong>Interpretation:<\/strong><\/p>\n<ul>\n<li>HELOC gives lower initial payment but rate may rise; no fixed payoff.<\/li>\n<li>Personal loan has higher payment but you know when it ends.<\/li>\n<\/ul>\n<h2>Steps to Decide Between HELOC vs Personal Loan Canada<\/h2>\n<ol>\n<li><strong>Define your need<\/strong>: Ongoing\/flexible or fixed amount?<\/li>\n<li><strong>Check your equity &amp; credit<\/strong>: If you own &gt;20% and have strong credit, HELOC may be viable.<\/li>\n<li><strong>Get quotes<\/strong>: Compare HELOC margins and personal loan APRs.<\/li>\n<li><strong>Consider repayment ability<\/strong>: Can you manage variable payments (HELOC) vs fixed payments?<\/li>\n<li><strong>Map out risk &amp; reward<\/strong>: Balance potential savings vs security impact.<\/li>\n<li><strong>Choose product, apply, and monitor<\/strong>: Once approved, use responsibly and track repayments.<\/li>\n<\/ol>\n<h2>Internal Links to Related Resources<\/h2>\n<ul>\n<li>Explore unsecured borrowing on our <a class=\"decorated-link cursor-pointer\" href=\"https:\/\/www.fatcatloans.ca\/loans\/personal-loans\/\" rel=\"noopener\">Personal Loans<\/a> page.<\/li>\n<li>If you\u2019re interested in tapping equity via loan (rather than HELOC), check <a class=\"decorated-link cursor-pointer\" href=\"https:\/\/www.fatcatloans.ca\/loans\/home-equity-release\/\" rel=\"noopener\">Home Equity Loans<\/a>.<\/li>\n<li>For debt consolidation strategies, visit our <a class=\"decorated-link cursor-pointer\" href=\"https:\/\/www.fatcatloans.ca\/loans\/consolidation-loans\/\" rel=\"noopener\">Consolidation Loans<\/a> page.<\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.fatcatloans.ca\/apply\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-1206 size-large\" src=\"https:\/\/www.fatcatloans.ca\/blog\/wp-content\/uploads\/2024\/11\/FatCatLoans-Canada-1024x229.png\" alt=\"\" width=\"840\" height=\"188\" srcset=\"https:\/\/www.fatcatloans.ca\/blog\/wp-content\/uploads\/2024\/11\/FatCatLoans-Canada-1024x229.png 1024w, https:\/\/www.fatcatloans.ca\/blog\/wp-content\/uploads\/2024\/11\/FatCatLoans-Canada-300x67.png 300w, https:\/\/www.fatcatloans.ca\/blog\/wp-content\/uploads\/2024\/11\/FatCatLoans-Canada-768x171.png 768w, https:\/\/www.fatcatloans.ca\/blog\/wp-content\/uploads\/2024\/11\/FatCatLoans-Canada-1536x343.png 1536w, https:\/\/www.fatcatloans.ca\/blog\/wp-content\/uploads\/2024\/11\/FatCatLoans-Canada-2048x457.png 2048w, https:\/\/www.fatcatloans.ca\/blog\/wp-content\/uploads\/2024\/11\/FatCatLoans-Canada-1200x268.png 1200w\" sizes=\"auto, (max-width: 709px) 85vw, (max-width: 909px) 67vw, (max-width: 1362px) 62vw, 840px\" \/><\/a><\/p>\n<h2>FAQs: HELOC vs Personal Loan Canada<\/h2>\n<h3><strong>Can I convert a HELOC to a personal loan?<\/strong><\/h3>\n<p>Yes, some lenders allow you to convert your outstanding HELOC balance into a fixed-rate personal loan\u2014helpful for locking in repayments.<\/p>\n<h3><strong>Which has lower interest: HELOC or personal loan?<\/strong><\/h3>\n<p>Generally, HELOCs offer lower initial interest due to collateral, but the variable nature means personal loans may be safer for long\u2010term fixed cost planning.<\/p>\n<h3><strong>Is my home at risk with a personal loan?<\/strong><\/h3>\n<p>Only if the personal loan is secured against your property. Unsecured personal loans do not use your home as collateral.<\/p>\n<h3><strong>Can I borrow more with a HELOC than a personal loan?<\/strong><\/h3>\n<p>Potentially yes, depending on your home equity. But you must be cautious\u2014borrowing too much increases risk.<\/p>\n<h3><strong>What happens if interest rates rise on a HELOC?<\/strong><\/h3>\n<p>Your monthly payment may increase (especially if you\u2019re making interest-only payments), leading to higher total cost or delayed payoff.<\/p>\n<h2>Conclusion<\/h2>\n<p>Deciding between <strong>HELOC vs personal loan Canada<\/strong> depends on your personal situation, financial goals and risk tolerance. If you\u2019re comfortable with variable interest and leveraging your home\u2019s equity for flexibility, a HELOC may serve you well. If you prefer fixed payments, no collateral risk, and a clear payoff timeline, a personal loan might be better. Use the tables above to compare features, match your use case, and check our internal links for additional borrowing options.<\/p>\n<p>Ready to explore your options? Visit <strong><a class=\"decorated-link cursor-pointer\" href=\"https:\/\/www.fatcatloans.ca\/loans\/personal-loans\/\" rel=\"noopener\">Personal Loans<\/a><\/strong> or <strong><a class=\"decorated-link cursor-pointer\" href=\"https:\/\/www.fatcatloans.ca\/loans\/home-equity-release\/\" rel=\"noopener\">Home Equity Loans<\/a><\/strong> now and click <a href=\"https:\/\/www.fatcatloans.ca\/apply\/\"><strong>Get My Quote<\/strong><\/a> to compare trusted Canadian lenders today. Decide wisely between <strong>HELOC vs personal loan Canada<\/strong> and take control of your borrowing.<\/p>\n<p><em><strong>Disclosure:\u00a0<\/strong>\u00a0This article is for informational purposes only and does not constitute financial advice. Loan terms, rates, and eligibility vary by lender and province. FatCat Loans is a loan comparison platform, not a lender. Always review lender agreements carefully before accepting a loan.<\/em><\/p>\n\n","protected":false},"excerpt":{"rendered":"<p>Choosing between a HELOC and a personal loan in Canada comes down to cost, risk, and repayment predictability. This guide compares interest rates, flexibility, and how rate changes can affect your payments\u2014so you can pick the option that best fits your budget and goals.<\/p>\n","protected":false},"author":3,"featured_media":4007,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[96],"tags":[],"class_list":["post-1371","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-loans-canada"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.5 - aioseo.com -->\n\t<meta name=\"description\" content=\"Compare HELOC vs personal loan Canada to find which financing path suits your needs. 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Your monthly payment may go up (especially with interest-only payments), which can raise the total cost and extend the time it takes to pay off the balance.\" } } ] }"}],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"BlogPosting","isEnabled":true},"graphs":[]},"schema_type":"default","schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":"-1","robots_max_videopreview":"-1","robots_max_imagepreview":"large","priority":null,"frequency":"default","local_seo":null,"seo_analyzer_scan_date":"2026-09-20 18:16:22","breadcrumb_settings":null,"limit_modified_date":false,"reviewed_by":"0","open_ai":null,"ai":{"faqs":[],"keyPoints":[],"titles":[],"descriptions":[],"socialPosts":{"email":[],"linkedin":[],"twitter":[],"facebook":[],"instagram":[]}},"created":"2025-10-18 13:10:22","updated":"2026-09-23 07:09:07","focus_keyword":"HELOC vs personal loan","additional_keywords":null,"truseo_locale":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/www.fatcatloans.ca\/blog\/\" title=\"Home\">Home<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">\u00bb<\/span><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/www.fatcatloans.ca\/blog\/category\/personal-loans-canada\/\" title=\"Personal Loans Canada\">Personal Loans Canada<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">\u00bb<\/span><span class=\"aioseo-breadcrumb\">\n\tHELOC vs Personal Loan Canada: Which Borrowing Option Fits You?\n<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/www.fatcatloans.ca\/blog\/"},{"label":"Personal Loans Canada","link":"https:\/\/www.fatcatloans.ca\/blog\/category\/personal-loans-canada\/"},{"label":"HELOC vs Personal Loan Canada: Which Borrowing Option Fits You?","link":"https:\/\/www.fatcatloans.ca\/blog\/heloc-vs-personal-loan-canada\/"}],"_links":{"self":[{"href":"https:\/\/www.fatcatloans.ca\/blog\/wp-json\/wp\/v2\/posts\/1371","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fatcatloans.ca\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fatcatloans.ca\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fatcatloans.ca\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fatcatloans.ca\/blog\/wp-json\/wp\/v2\/comments?post=1371"}],"version-history":[{"count":26,"href":"https:\/\/www.fatcatloans.ca\/blog\/wp-json\/wp\/v2\/posts\/1371\/revisions"}],"predecessor-version":[{"id":5791,"href":"https:\/\/www.fatcatloans.ca\/blog\/wp-json\/wp\/v2\/posts\/1371\/revisions\/5791"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fatcatloans.ca\/blog\/wp-json\/wp\/v2\/media\/4007"}],"wp:attachment":[{"href":"https:\/\/www.fatcatloans.ca\/blog\/wp-json\/wp\/v2\/media?parent=1371"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fatcatloans.ca\/blog\/wp-json\/wp\/v2\/categories?post=1371"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fatcatloans.ca\/blog\/wp-json\/wp\/v2\/tags?post=1371"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}