✽ Serving Ontario
Bad Credit Mortgages
Fast Approvals
Same-day decisions with funding in as little as 24–48 hours.
Equity-Based Approval
No credit score or income documents needed — we lend on equity.
Choose your payment
Monthly, interest-only, or prepaid interest.
Why Choose Lendworth for Your Bad Credit Mortgage?
We lend based on your property and equity, not your past credit issues.
✔ Approvals in 2 Hours
✔ No Income documents
✔ No credit score
✔ Up to 80% LTV
✔ We protect your privacy
✔ We work with your lawyer
✔ Access to funds
✔ Paying off high-interest debt
✔ Personal emergencies
Home Equity Lines
Flexible Access to Your Home’s Equity Anytime
First Mortgages
Fast, Flexible Financing When Banks Say No
Second Mortgages
Tap Into Your Equity for Cash Flow for Debt Relief.
Bridge Loans
Bridge Your Debt Before Selling Your Home.
Who Qualifies?
Designed for Borrowers Who Don’t Fit Traditional Bank Requirements.
Own a home in Ontario
Have 20–25% equity
You’re separating or divorcing
You want to keep the home
Credit score is not a decision factor
Need same-day review and fast funding
How it works?
Apply Online
Submit your basic details — no documents needed upfront.
Receive Your Approval
We assess your equity and property value, not your credit score.
Get Funded Fast
Funds are released once documents/appraisal are completed.
Trusted by Ontario Homeowners Who Need Fast, Flexible Bad Credit Mortgages.
Lendworth helps you keep your home, access equity, and move forward.
Top Bad Credit Mortgage questions answered
Get approved with bad credit — no credit score required
Yes. Lendworth approves based on home equity, not credit score. Even scores under 500 can qualify.
No. We accept self-employed, bank statements, and alternative income. No T4s or NOAs required.
Most bad credit mortgages are approved in 24 hours and funded in 48–72 hours.
More Loan Products We Offer
Explore more of our loan options below and find the one that best fits your needs.
Mortgage Solutions We Offer
We have a solution built around your home equity and your goals.
Lendworth approves Ontario homeowners quickly based on equity — not complicated bank rules.
Ready for Fast, Flexible Financing?