Every December, the same thing happens.
Banks slow down.
Underwriters disappear.
Approvals get pushed to “after the holidays.”
But bills, debt, renovations, tax deadlines, and family obligations don’t wait.
If you’re a homeowner sitting on equity, there’s a smarter way to access cash before Christmas — without bank delays, credit stress, or endless paperwork.
That’s where Lendworth comes in.
Why December Is the Worst Time to Rely on a Bank
Most homeowners don’t realize how frozen traditional lending becomes in December:
Shortened banking hours
Year-end underwriting cutoffs
Appraisal backlogs
Conservative credit decisions
Files pushed into January
If you’re waiting on a bank right now, you’re already behind.
Private lenders operate differently.
At Lendworth, we approve based on property value and equity, not rigid bank formulas.
Need Cash Before Christmas? Here’s How Homeowners Are Using Equity Right Now
Home equity isn’t just for emergencies — it’s a financial tool.
Ontario homeowners are using private mortgages in December to:
Consolidate high-interest credit cards before year-end
Pay CRA tax arrears to avoid penalties
Cover renovation or repair costs
Handle business cash-flow gaps
Resolve probate or estate matters
Fund divorce buyouts before January filings
Stop mortgage arrears or power of sale actions
Instead of juggling multiple debts, they simplify everything into one structured solution.
Why Private Mortgages Make Sense at Year-End
Private lending isn’t about desperation — it’s about timing and control.
✔ Same-Day Approvals
Many files are approved the same day, with funding in 24–48 hours.
✔ Bad Credit Is Not a Deal Breaker
Missed payments, collections, or a recent bank decline?
We focus on equity, not credit scores.
✔ Self-Employed Friendly
No T4s? Irregular income? Business owners welcome.
✔ Short-Term, Strategic Solutions
Private mortgages are designed with clear exits, not long-term traps.
Private Mortgage Options Available Before the Holidays
Lendworth offers fast, flexible solutions across Ontario:
Home Equity Loans
Access your equity without refinancing your entire mortgage.
Second Mortgages
Get funding behind your existing lender.
Mortgage Refinancing
Replace multiple debts with one clean solution.
Emergency & Short-Term Loans
Perfect for tight year-end timelines.
Estate, Probate & Divorce Loans
We understand complex legal and family situations — especially during the holidays.
If You Own Property, You May Already Qualify
We lend on:
Detached homes
Townhomes
Condos
Multi-residential
Select land and construction files
If there’s equity, there’s usually a solution — even if the bank said no.
Serving Homeowners Across Ontario
Lendworth provides private mortgages throughout:
Toronto & the GTA
Vaughan, Newmarket, Brampton, Mississauga
York Region & Peel Region
Southern Ontario
Local knowledge. Investor-grade underwriting. Real solutions.
Common December Mortgage Questions
Can I still get funded close to Christmas?
Yes. We specialize in time-sensitive year-end closings.
Do you accept bad credit or past arrears?
Yes. Equity matters more than credit.
How fast can funding happen?
Many deals fund within 24–48 hours.
Is this a long-term loan?
No. Our solutions are structured with clear exit strategies.
This Christmas, Give Yourself Financial Breathing Room
Instead of stressing over money, delays, or bank silence, use the value you’ve already built.
🎄 Fast approvals
🎄 Flexible terms
🎄 Bad credit accepted
🎄 Ontario-wide lending
🏡 Your equity deserves more™