Private Mortgage Lender in Ontario
First and second mortgages based on your equity — not your credit, get approved in as little as 24 hours.
No Income. No Perfect Credit. No Stress.
Unlock your home’s equity with clear, transparent private mortgage solutions across Ontario and Toronto.
As a trusted private mortgage lender in Ontario and Toronto, Lendworth delivers fast, equity-based approvals when banks can’t.
Flexible income requirements
Credit challenges welcome
Same-day approvals
Up to 75% loan-to-value
Get approved in as little as 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
View equity-based options for first and second mortgages across Ontario.
First Mortgages
Ideal for homes in the Greater Toronto Area. Maximum loan amounts are applicable. Clear answers in 48 hours.
See Options- 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 options within 48 hours.
See Options- 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. Quick options.
See Options- Up to 75% LTV
- No minimum credit*
- Flexible term
- No pre-payment fees
Private Mortgage Solutions in Toronto, Vaughan & Across Ontario
Why Banks Decline Mortgages in Ontario — And How We Help
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 mortgage approvals when banks say no.
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.
Real Approvals
Real approvals — not automated declines.
Fast Decisions
Fast decisions, often within 24 hours.
Simple, Clear Process
Equity-based solutions when banks say no.
Reliability
Clear terms with no hidden surprises.
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
Request Review
Convenient online application form.
2
Verify Details
Authenticate your personal identity.
3
Property Review
Determine the value of your property.
4
Funding
Choose a date with your lawyer.
Private Mortgage Solutions Across Ontario
Lendworth is a trusted private mortgage lender in Ontario providing fast, flexible solutions across Toronto, Vaughan, and the GTA. Whether you need a private first mortgage, second mortgage, or home equity loan, our equity-based approach allows you to access capital when traditional lenders cannot.
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.
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.