Across Toronto, Vaughan, the GTA, and Southern Ontario, homeowners are quietly using CRA tax arrears mortgages to pay off tax debt, remove liens, and protect their homes before CRA escalates enforcement.
At Lendworth, we specialize in equity-based mortgage solutions designed specifically for CRA tax arrears, even when banks say no.
CRA Tax Arrears: Why Homeowners Are Feeling the Pressure in 2026
CRA enforcement has intensified. Once arrears build up, CRA can:
Register a tax lien on your property
Freeze bank accounts
Garnish wages or rental income
Block refinancing or property sales
Force repayment timelines that are unrealistic
Many homeowners don’t realize that waiting makes the problem worse — but acting early creates leverage.
What Is a CRA Tax Arrears Mortgage?
A CRA tax arrears mortgage is a home equity loan, second mortgage, or refinance used to:
Pay CRA in full or negotiate settlement
Remove tax liens from title
Consolidate tax debt into one manageable payment
Stop enforcement actions immediately
Instead of dealing with CRA penalties and daily interest, homeowners convert tax debt into a structured mortgage solution.
Why Banks Usually Decline CRA Tax Arrears Files
Traditional banks often refuse tax arrears mortgages because:
CRA liens complicate title
Income verification is strict
Credit scores may be damaged
Timelines don’t align with CRA deadlines
That’s where private lending steps in.
How Lendworth Helps Homeowners With CRA Tax Debt
At Lendworth, approvals are based on equity — not perfect credit.
✔ Equity-Based Approvals
We focus on your property value and loan-to-value (LTV), not CRA history.
✔ First & Second Mortgages
We structure first mortgages, second mortgages, or bridge financing depending on urgency.
✔ Fast Funding
Many CRA tax arrears files are approved in 24–48 hours.
✔ CRA Coordination
We work alongside your accountant or lawyer to ensure CRA requirements are met.
✔ Confidential & Judgment-Free
Tax issues happen — we focus on solutions, not blame.
Common CRA Tax Arrears Scenarios We Solve
Self-employed homeowners behind on HST or income tax
Business owners with personal tax liens
Investors facing rental income garnishments
Homeowners blocked from refinancing due to CRA registration
Families needing immediate relief before enforcement
If you own property and have equity, there is almost always a solution.
Why Acting Early Saves You Thousands
CRA interest and penalties compound quickly. A CRA tax arrears mortgage can:
Stop enforcement immediately
Reduce overall financial stress
Restore borrowing flexibility
Protect your credit from further damage
Delaying often means higher costs, fewer options, and more pressure.
CRA Tax Arrears Mortgage Rates & Terms
Loan-to-Value: Up to 75% (case-dependent)
Terms: Short-term or flexible renewals
Payments: Interest-only or amortized options
Exit Strategy: Refinance back to a bank once CRA is cleared
Every file is customized — no one-size-fits-all underwriting.
CRA Problems Don’t Go Away — But They Can Be Solved
If CRA is calling, sending letters, or registering liens, the worst move is doing nothing.
Home equity is often the fastest, cleanest, and least stressful way to regain control.
Talk to Lendworth — Confidential CRA Tax Arrears Help
📍 Serving Toronto, Vaughan, Brampton, Mississauga & all of Ontario
📞 Speak directly with an equity lending specialist
⏱ Same-day approvals available
Your equity deserves more™
👉 Contact Lendworth today to discuss your CRA tax arrears mortgage — before CRA takes the next step.