Equity-Based Mortgages Ontario
Access your home equity through private first and second mortgages when traditional banks don't fit.
👉 Get your options in 30 seconds — Credit challenges considered.
You May Have Private Mortgage Options If..
Your property equity may create financing options even when traditional bank qualification doesn’t fit your situation.
You own a home in Ontario
You have available home equity
Credit or income is challenging
Your bank declined or won’t renew
Same-day review available. Funding may be possible within 24–48 hours once conditions are satisfied.
Residential
First & Second Mortgages
Equity-based mortgage options for Ontario homeowners, including after a bank decline..
Commercial
Land & Construction
Private financing for commercial properties, land, construction and development.
Home Equity Lines
Flexible Equity Access
Access your home equity for debt consolidation, renovations, tax obligations, business needs or other major expenses.
Residential mortgage rates
Explore current private first mortgage, second mortgage and home equity financing options across Ontario.
First Mortgages
Private first mortgage options for qualifying Ontario properties, including refinancing and alternative financing needs.
See Options- Up to 75% LTV
- No minimum credit*
- One year term
- Pre-paid interest option
Second Mortgages
Access available home equity for debt consolidation, renovations, arrears or other major financial needs. Quick same day approvals.
See Options- Up to 75% LTV
- No minimum credit*
- One year term
- Pre-paid interest option
HELOCs
Access your Ontario home equity for debt consolidation, renovations, tax obligations, business needs or major expenses.
See Options- Up to 75% LTV
- No minimum credit*
- Flexible term
- No pre-payment fees
When Homeowners Come to Lendworth
Bank declined your mortgage
Mortgage renewal was denied
Self-employed or non-traditional income
Behind on mortgage or property tax payments
Need to consolidate high-interest debt
Need financing for an urgent closing
See what you qualify for in 30 seconds
No credit check. No obligation. Real options.
Mortgage Solutions for Ontario Homeowners
Explore equity-based financing solutions for common mortgage, debt and property-related needs.
Why Banks Decline Mortgage Applications in Ontario
Banks decline mortgage applications every day in Ontario — even for homeowners with strong equity.
Common reasons include:
Self-employed or non-traditional income
As a private mortgage lender in Ontario, we focus on your property and available equity — not rigid income formulas.
That means fast, flexible mortgage solutions across Toronto and the GTA when traditional lenders say no.
Trusted by Ontario homeowners for fast, equity-based approvals — especially after bank declines.
Hundreds of Ontario homeowners funded with fast, equity-based approvals.
Why Ontario Homeowners Choose Lendworth
Clear mortgage options, equity-based underwriting and direct guidance from experienced Ontario mortgage professionals.
Equity-Based Review
Property value and available equity are central to our lending decisions.
Fast Direction
Straightforward files may receive same-day financing direction.
Clear Terms
Know the proposed rate, fees, term and conditions before proceeding.
Flexible Qualification
Credit challenges and non-traditional income may be considered.
Ontario Expertise
Private first, second and home equity solutions across Ontario.
Hands-On Support
Direct guidance from initial review through appraisal, legal work and funding.
How Our Mortgage Review Works
A clear four-step process from initial review through property assessment and funding.
1
Request Review
Tell us about your property, mortgage balance and financing needs.
2
Review Your Details
We assess your property equity, mortgage position and overall financing request.
3
Property & Approval
Property value, title and required lending conditions are confirmed.
4
Legal Closing
Your mortgage lawyer completes the closing and funding once conditions are satisfied.
Private Mortgage Solutions Across Ontario
Lendworth provides private first mortgages, second mortgages and home equity financing for homeowners across Toronto, Vaughan, the GTA and communities throughout Ontario. Our equity-based approach can provide flexible options when traditional bank qualification, credit or timing does not fit the situation.
Frequently Asked Mortgage Questions
Answers to common questions about private mortgages, home equity financing and second mortgages in Ontario.
Equity-based lending places significant emphasis on your property value, existing mortgage balances and available equity when reviewing financing options.
Potentially. Credit challenges or non-traditional income do not automatically prevent private mortgage financing when sufficient property equity and an appropriate mortgage structure exist.
The amount available depends on your property value, existing mortgages, requested financing and acceptable loan-to-value.
Rates and fees depend on the property, loan-to-value, mortgage position, term and overall financing structure. Lendworth provides the proposed rate, fees and conditions before financing proceeds.
Start with a simple, no-obligation review.
Fast, flexible equity-based mortgages — including pre-paid interest options.
Mortgage News & Market Insights.
Real scenarios, approvals, and equity-based mortgage strategies across Toronto, Vaughan, and the GTA.