We help homeowners across the GTA access equity for refinancing, debt consolidation, renewals, purchases, and time-sensitive situations — even with bad credit, self-employment, or non-standard properties.
Why GTA Homeowners Trust Lendworth
✅ Bad Credit Is OK
We lend based on home equity, not credit score alone. Past credit issues don’t automatically disqualify you.
✅ Fast Approvals
Many files receive same-day decisions, with funding often completed in 24–48 hours.
✅ Local GTA Expertise
From downtown Toronto condos to rural Simcoe and Durham properties, we understand local values, zoning, and lending realities.
Private Mortgage Services Across the GTA
Home Equity Loans
Access the equity you’ve built in your home to:
Improve cash flow
Cover major expenses
Pay CRA tax balances
Create short-term stability
Equity-based approvals with clear, transparent terms.
First & Second Mortgages
Whether you need:
A second mortgage behind your existing loan, or
A private first mortgage when banks hesitate
We structure solutions that fund reliably — with clear exit strategies.
Debt Consolidation
Replace multiple high-interest debts with one structured mortgage payment, including:
Credit cards
Personal loans
Lines of credit
CRA arrears
Designed to restore control — not create more stress.
Refinance & Purchase Mortgages
Private refinancing is commonly used when banks push back due to:
Income documentation issues
Self-employment
Appraisal challenges
Property type concerns
Tight closing timelines
We focus on real-world value and timing, not checklists.
Why Private Lending Works in the GTA in 2026
GTA homeowners are facing tighter bank rules than ever — even with strong equity.
Common issues include:
Stress-test failures
Reduced appraisals
Delays at renewal
Restrictions on condos, rural, or multi-unit homes
Short closing windows
Private lending fills the gap with speed, flexibility, and common-sense underwriting.
Serving Every GTA & Surrounding Area
If you have equity, you likely qualify — including properties in:
Toronto (Downtown, North York, Etobicoke, Scarborough)
York Region (Vaughan, Woodbridge, Maple, Thornhill, Richmond Hill, Markham, Aurora, Newmarket)
Peel Region (Mississauga, Brampton, Caledon, Bolton)
Durham Region (Ajax, Pickering, Whitby, Oshawa)
Halton Region (Oakville, Burlington)
Simcoe Region (Bradford, Innisfil, Barrie)
And every community in between
Top GTA Private Mortgage Questions
Do you lend across the entire GTA and surrounding regions?
Yes. We lend throughout the GTA, York, Peel, Durham, Halton, and Simcoe regions.
How fast can homeowners get approved?
Many approvals are issued within 24–48 hours, depending on the file.
What mortgage solutions does Lendworth offer?
We provide:
First & second mortgages
Bridge loans
Debt consolidation
Power of Sale & arrears relief
Construction & renovation loans
Emergency home equity loans
All structured around equity, timing, and exit planning.
More Loan Products We Offer
First Mortgages
Second Mortgages
Purchases
Refinancing
Home Equity Lines of Credit
Bridge Loans
Land Loans
Construction Loans
Mortgage Solutions Built Around Your Equity
Private Lending
Self-Employed Mortgages
Debt Consolidation
Stop Power of Sale
Mortgage Arrears Solutions
Probate & Estate Loans
Emergency Home Equity Loans
Divorce Buyout Mortgages
Fast, Flexible Mortgage Solutions for GTA Homeowners
If your bank has delayed, reduced, or declined your mortgage, you still have options.
📞 Call Lendworth: 905-597-1225
🌐 Visit: www.lendworth.ca
Your equity deserves more™