At Lendworth, we specialize in jumbo mortgage loans from $2,000,000 up to $10,000,000+ for high-value residential real estate and select commercial properties across Ontario.
We’re a niche private lender focused on one thing above all else:
If your property has real value, we will consider funding it.
What Is a Jumbo Mortgage — And Why Banks Struggle With Them?
A jumbo mortgage typically refers to any loan amount that exceeds traditional bank limits. In Canada, that’s often $1.5M–$2M+, where institutional lenders begin to tighten rules aggressively.
For borrowers, this usually means:
Endless income verification
Corporate structure scrutiny
Conservative appraisals
Slow approvals
Last-minute declines
Even strong borrowers with substantial equity are getting stuck.
That’s where private jumbo lending steps in.
Lendworth’s Jumbo Loan Sweet Spot: $2M–$10M+
We fund large, equity-driven mortgages for borrowers who need certainty, speed, and flexibility.
Jumbo Loan Uses We Regularly Fund
✔ Luxury home purchases
✔ Refinances on high-value estates
✔ Equity take-outs for business or investments
✔ Bridge financing for large transactions
✔ Estate, probate, and family restructuring
✔ Commercial and mixed-use properties (select files)
✔ Complex ownership or corporate structures
If the property makes sense, the conversation starts.
Equity-First Lending (Not Income-First)
Banks lend based on borrower profiles.
We lend based on property value and equity.
That means:
Income inconsistencies are acceptable
Self-employed borrowers welcome
Foreign income considered
Credit challenges are not a deal breaker
Complex title or ownership reviewed case-by-case
Strong asset. Clear exit. Sensible leverage.
That’s the formula.
Residential Jumbo Mortgages: High-Value Homes, Simplified
We regularly finance:
Luxury detached homes
Estate properties
Waterfront residences
Custom builds
Multi-unit residential assets
Loan sizes commonly range from $2M to $7M+, with higher limits available depending on value and structure.
Select Commercial Jumbo Lending
While our core strength is residential, we also fund select commercial and mixed-use properties, including:
Small plazas
Office / residential mixed-use
Income-producing commercial assets
Transitional commercial properties
Each commercial deal is reviewed individually, with a focus on asset quality and exit strategy.
Why Borrowers Choose Lendworth for Jumbo Loans
🔹 Value-Driven Decisions
We underwrite the real property value, not just a policy checklist.
🔹 Speed & Certainty
Decisions move fast. No endless conditions. No shifting goalposts.
🔹 Discretion & Professionalism
High-net-worth borrowers value privacy. So do we.
🔹 Large Loan Expertise
This is not a side product for us — jumbo lending is our niche.
When Banks Say No — That’s Usually When We Say “Let’s Review It”
Many of our jumbo clients come to us after:
A bank approval fell apart late
Income didn’t fit a template
The property was “too unique”
The loan amount exceeded comfort levels
If your property has clear value and equity, it deserves a proper review.
Jumbo Mortgage FAQ
What is the minimum loan size?
Typically $2,000,000+.
What’s the maximum loan size?
Up to $10,000,000+, depending on property value and structure.
Do you require income verification?
We focus primarily on equity, value, and exit strategy.
How fast can you fund?
Timelines vary, but private jumbo lending is significantly faster than institutional routes.
Your Property Has Value. Your Financing Should Reflect That.
If you own a high-value residential or commercial property and need a jumbo mortgage that actually closes, Lendworth is built for exactly that scenario.
👉 Private jumbo mortgages from $2M to $10M+
👉 Residential & select commercial
👉 Equity-driven. Value-focused. Deal-oriented.
Lendworth — Private lending for properties that deserve a real conversation.
Please send your property information to: deals@lendworth.ca