In 2025, with the cost of living rising and traditional banks tightening their grip, many Greater Toronto Area homeowners are discovering a powerful financial secret:
👉 You don’t have to sell your home to unlock its value.
At Lendworth, we help clients access up to 80% of their home’s value through fast, flexible, equity-based lending—no income verification, no red tape, and no need to sell.
🔍 What Is Equity-Based Lending?
Equity-based lending is a private mortgage solution where the approval is based on the value of your property, not your credit score or job history.
If you own real estate in Toronto, Vaughan, Richmond Hill, Markham, or anywhere in the GTA—you may be sitting on hundreds of thousands in usable equity without even realizing it.
💡 Real Example: “Anna in Vaughan Pulled $250K from Her Home—Without Selling”
Anna needed $250,000 to renovate her home, consolidate credit card debt, and fund her daughter’s tuition.
The bank said no due to her self-employed income.
Lendworth looked at her home—valued at $1.1M with only a $450K mortgage.
We approved a second mortgage for $250,000 at a competitive rate within 48 hours.
Result? No sale. No stress. Just smart financing backed by her equity.
📊 How Much Can You Borrow? Use the LTV Formula:
Example:
- Home Value: $1,000,000
- Existing Mortgage: $400,000
- You want: $250,000 refinance
- Total Loan: $650,000
LTV = (650,000 ÷ 1,000,000) × 100 = 65% —✅ approved.
Lendworth typically goes up to 75–80% LTV depending on the deal.
🏡 What Can You Do with Your Home Equity?
- ✅ Pay off high-interest debt
- ✅ Fund a renovation or addition
- ✅ Cover tuition, legal fees, or taxes
- ✅ Invest in real estate or your business
- ✅ Secure a deposit for a new home (bridge loan)
Why Homeowners Choose Lendworth
✔️ Equity-based approvals (not income or credit)
✔️ Fast funding — often in 24–48 hours
✔️ Transparent terms
✔️ Personalized service
✔️ Competitive rates on first or second mortgages
📞 Ready to Unlock Your Hidden Wealth?
If you’re sitting on equity—you’re sitting on opportunity.
Don’t let the banks hold you back. Let Lendworth show you how easy it is to access the funds you need.
👉 Call us today or apply online in minutes.
Your home’s value is more than a number.
It’s your financial freedom.