✽ Serving Ontario
Why Homeowners Use Property Tax Arrears Solutions
Pay Property Tax Arrears
Access available home equity to pay outstanding municipal property taxes before the situation escalates further.
Equity-Based Financing
Private mortgage options may be available based primarily on your property value and available equity, including with credit challenges.
Act Before Enforcement Escalates
Address property tax arrears earlier to create more time and financing options before municipal collection measures progress.
What Happens When Property Taxes Remain Unpaid in Ontario?
Unpaid property taxes do not simply disappear. Municipalities can use collection and enforcement procedures under Ontario law, and prolonged arrears can ultimately lead to tax-sale proceedings. Acting earlier generally provides more time to review repayment or financing options before the situation progresses.
Property Tax Arrears
Outstanding taxes, interest and applicable municipal charges may continue accumulating while the balance remains unpaid.
Tax Arrears Certificate
Ontario legislation allows municipalities to register a tax arrears certificate against qualifying land as part of the tax-sale process.
Municipal Tax Sale
If statutory requirements are met and the arrears are not resolved, property can ultimately be offered for sale under Ontario's municipal tax-sale process.
Who Qualifies?
Each file is reviewed based on property value, existing mortgage balances, requested financing and the overall repayment or exit strategy.
Own residential property in Ontario
Have sufficient available home equity
Have outstanding property tax arrears
May have credit or income challenges
Have been declined by a traditional lender
Need funds to resolve the arrears before further escalation
How it works?
Tell Us About the Property
Provide your estimated property value, mortgage balance and approximate property tax arrears.
Review Your Available Equity
We assess the property, existing financing and available equity to determine whether a mortgage solution may be available.
Review the Financing Structure
If suitable options are available, we explain the proposed mortgage, costs, conditions and next steps for addressing the arrears.
What a Property Tax Solution Can Cover
Using your home equity, we can help you:
✔ Outstanding property taxes
✔ Municipal interest and penalties
✔ Cover penalties and interest
✔ Resolve municipal enforcement
✔ Pay legal or collection fees
✔ Stabilize your financial situation
Why Homeowners Choose Lendworth
Lendworth helps Ontario homeowners resolve property tax arrears quickly using fast, equity-based solutions tailored to real-world situations.
We focus on speed, clarity, and practical outcomes — not rigid bank processes.
Protect Your Home Before It’s Too Late
Property tax arrears don’t go away — they escalate. If ignored, property tax arrears can lead to forced sale or loss of your home.
Acting early helps you protect your home, avoid further penalties, and regain control.
Get real answers. No pressure. No complicated process.
What You Can Expect
When dealing with property tax arrears, the goal is to act quickly, reduce pressure, and move forward:
Fast, Equity-Based Approvals
Decisions are based on your property value — not strict bank formulas.
Flexible Solutions
Solutions tailored to your timeline and financial situation.
A Clear Path Forward
Move ahead with a structured plan designed to stabilize your situation.
Trusted by Ontario Homeowners Facing Property Tax Arrears
Lendworth provides fast, flexible mortgage solutions to help homeowners resolve tax debt and protect their property.
Top Property Tax Arrears questions answered
Lendworth is a direct private mortgage lender.
Potentially. If sufficient equity is available, a refinance or second mortgage may provide funds to pay outstanding municipal property taxes.
Credit challenges do not automatically prevent private mortgage financing. Property value, available equity, mortgage position and the overall financing structure are important considerations.
Potentially. A second mortgage may allow you to keep your existing first mortgage while accessing additional home equity to address property tax arrears.
Waiting can reduce the time available to review financing and repayment options. If property taxes are already in arrears, it is generally better to understand your available options earlier.
Ready to Resolve Property Tax Arrears?
If you’re behind on property taxes, timing matters.
Lendworth helps Ontario homeowners act quickly using clear, equity-based private lending — without delays or unnecessary barriers.
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