Skip to Content

Mid-Year Mortgage Outlook: Why Now’s the Time to Tap Into Your Home Equity

As we hit the halfway mark of 2025, Canada’s real estate and mortgage landscape is shifting once again—and opportunity knocks for homeowners across the GTA.

While interest rate cuts earlier this year have offered a reprieve, economic uncertainty still looms. For many, tapping into their existing home equity has become a smarter, faster way to access capital without the red tape of traditional banks.

At Lendworth, we specialize in equity-based lending—approvals are based on your property, not just your paperwork. Whether you're looking to consolidate debt, fund a renovation, invest in another property, or cover time-sensitive expenses, our streamlined process delivers results.

🔑 Key Mid-Year Insights:

  • Rates starting from 8.99% on approved equity-based loans
  • Up to 80% Loan-to-Value (LTV) depending on property type and location
  • Fast closings—sometimes in as little as 48 hours
  • Flexible solutions for self-employed, business owners, or credit-challenged borrowers

💡 Why Act Now?

With Q3 underway, lenders are actively recalibrating portfolios. For many borrowers, this is a window of opportunity before summer ends and capital demand spikes again in September. If you’ve been waiting to refinance, July is a prime month to act.

🏡 Lendworth Makes It Easy

We lend on residential real estate in Toronto and surrounding areas, with a team that understands urgency, discretion, and client-first service. You can even use your existing equity to loan yourself a down payment for a new purchase—we call it “equity-to-equity.”

📞 Ready to unlock your equity?

Call us today or apply online.

📍 www.lendworth.ca | ☎️ 905-597-1225

Lendworth Financial Corp. | Lendworth Asset Management Corp. | Lendworth Mortgage Investment Corporation

Equity-backed solutions. Fast answers. Homes you can drive by.

Should You Rent or Buy in 2025? Why Equity-Based Mortgages Are Changing the Game in the GTA
With interest rates stabilizing and home prices softening across the Greater Toronto Area (GTA), many Canadians are asking the age-old question: Is now the time to buy, or should I keep renting?