✽ Start here: Private Mortgage Guide Ontario
Bad Credit Mortgages
Fast Decisions
Same-day lending decisions with funding often completed within 24–48 hours.
Equity-Based Review
Decisions are based on property value and available equity — not credit score or income alone.Flexible Payment Structures
Payment options may include monthly, interest-only, or prepaid interest, depending on structure.
Why Choose Lendworth for Your Bad Credit Mortgage?
We lend based on your property and equity, not your past credit issues. We are a private lender in Ontario.
✔ Decisions made the same day
✔ No Income documents
✔ No credit score
✔ Up to 75% LTV
✔ We protect your privacy
✔ We work with your lawyer
✔ Access to funds
✔ Paying off high-interest debt
✔ Personal emergencies
Lendworth offers bad credit mortgages in Ontario for homeowners who need fast, flexible financing despite past credit challenges. Whether you’re dealing with collections, late payments, CRA tax issues, consumer proposals, or a past bankruptcy, decisions are based on property value and available home equity rather than credit score or traditional income documents.
As a direct private mortgage lender serving Ontario, Lendworth provides same-day lending decisions, with funding commonly completed within 24–48 hours once requirements are satisfied.
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. Ontario private mortgages.
Own a home in Ontario
Have 20–25% equity
You’re separating or divorcing
You want to keep the home
Credit challenges are reviewed case by case
Need same-day review and fast funding
How it works?
Request a Review
Share your basic property details — we’ll outline next steps clearly.
Receive Your Decision
We review property value and available equity to determine viable lending options.
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
Learn how equity-based bad credit mortgages work
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 helps Ontario homeowners access equity-based private lending — without complicated bank rules.
Ready for Fast, Flexible Financing?