Private Mortgage Lender in Ontario
First and second mortgages based on your equity, not your credit. Approvals in 24 hours.
No Income. No Perfect Credit. No Stress.
Unlock your home’s equity with simple, transparent private mortgage solutions.
- Income flexibility — equity-focused approvals
- Credit challenges accepted
- Same-day Approvals
- Up to 75% Loan to Value
Get approved within 24 hours, even if the bank says no.
Residential
Simple
Equity-based first and second mortgages for homeowners — even after a bank decline or when fast funding is needed.
Commercial
Efficient
Private commercial mortgage solutions for land, construction, and development projects — built for speed and flexibility.
Home Equity Lines
Flexible
Access your home’s equity with flexible lending options — ideal for debt consolidation, renovations, or fast access to funds when banks say no.
Residential mortgage rates
Compare today’s best rates for first and second mortgages across Ontario.
First Mortgages
Ideal for homes in the Greater Toronto Area. Maximum loan amounts are applicable. Approvals in 48 hours.
Apply Now- Up to 75% LTV
- No minimum credit*
- One year term
- Pre-paid interest option
Second Mortgages
Ideal for consolidating debt, home improvements, or accessing your equity. Get approved within 48 hours.
Apply Now- Up to 75% LTV
- No minimum credit*
- One year term
- Pre-paid interest option
HELOCs
Want access to equity but not just yet? Keep your options open for when you need them. Rapid approvals.
Apply Now- Up to 75% LTV
- No minimum credit*
- Flexible term
- No pre-payment fees
Trusted by hundreds of Ontario homeowners for fast, reliable home equity financing.
Get in touch with us today and tell us how we can help you.
Why Homeowners Choose Lendworth
As a trusted private mortgage lender in Ontario, we specialize in fast, flexible home equity solutions.
Easy Experience
A seamless approval process from start to finish.
Quick Response
Get answers fast from a dedicated mortgage specialist.
Simple Process
Clear, transparent terms with no surprises.
Reliability
Dependable private mortgage solutions for any situation.
Performance
Fast funding, consistent service, and high client satisfaction.
Professional Support
Hands-on guidance through every step of your mortgage approval.
Approval in four easy steps
Fast approvals and transparent private mortgage solutions built for Ontario homeowners.
1
Apply
Convenient online application form.
2
Verify
Authenticate your personal identity.
3
Appraisal
Determine the value of your property.
4
Funding
Choose a date with your lawyer.
Top questions answered
Find answers to common questions about home equity loans, second mortgages, and private lending in Ontario.
Equity-based lending relies on property equity instead of income verification. Typically short-term (up to 1 year), with higher rates, designed to bridge the gap.
Your property may qualify for our equity-based lending program if it's in the Greater Toronto Area, well-maintained, and in good condition. Lendworth can lend up to 75% of the property value, evaluating based on location, loan-to-value, and liquidity. Approval may come in less than two business days.
Our interest rates and fees are flexible, depending on your credit history and ability to make payments. As an equity-based lender, we assess risk based on payment capacity. If you can verify income, we may offer lower interest rates.
Apply online now for same-day approval.
Fast, flexible equity-based mortgages — including pre-paid interest options.
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