January is when reality hits.
Holiday spending is over. Credit card balances are higher. Mortgage renewals, tax bills, and rising costs come back into focus. And for many Ontario homeowners, January 2026 is the moment cash flow finally matters.
If you’re feeling pressure — higher payments, mounting debt, or a bank that won’t move fast enough — refinancing now could be the smartest financial decision you make this year.
At Lendworth Private Mortgages, we specialize in fast, equity-based refinancing built for real life — not perfect credit files or endless paperwork.
Why January 2026 Is the Moment to Refinance (Before Everyone Else Does)
Every year, January brings the same pattern:
Banks reset lending targets
Underwriting becomes stricter
Approval timelines stretch
Borrower demand spikes
Homeowners who wait often face less flexibility and fewer options.
Homeowners who act early get:
✔ Faster approvals
✔ Better structures
✔ More negotiating power
January is not the time to delay — it’s the time to act before lenders tighten further into Q1 and Q2.
Refinance with Lendworth — Private Lending Built for Real Life
Traditional banks can take weeks or months.
At Lendworth, we approve in hours.
What Sets Us Apart
Rates starting at 8.99%
First-position refinances up to 75% LTV
Flexible income & credit requirements
Fast closings — often within 24–48 hours
Appraisal-based approvals using our proprietary valuation model
No hidden fees
Clear terms with investor-grade compliance
Ontario-wide coverage (GTA, Vaughan, Toronto, York Region & beyond)
We lend based on the strength of the property, not endless paperwork.
Who Qualifies for a Private Refinance in January 2026?
Our refinance solutions are ideal for homeowners who:
Need funds quickly
Are self-employed or have non-traditional income
Have credit challenges, collections, or past late payments
Were declined by banks or credit unions
Want short-term financing without long-term penalties
Need a simple, stress-free refinance option
👉 If you own property with available equity — you’re likely approved.
How Ontario Homeowners Are Using Refinance Funds in 2026
Your equity. Your choice.
Homeowners refinance with Lendworth to:
Pay off high-interest credit cards and loans
Consolidate mortgages or unsecured debt
Renovate or upgrade their home
Fund a business or new project
Cover CRA tax arrears
Bridge a purchase while waiting for a sale
Reduce monthly payments and improve cash flow
Every refinance is custom-structured around your goals, not a one-size-fits-all product.
Our Private Refinance Criteria (Clear & Transparent)
We believe borrowers deserve clarity.
Loan Amounts: $100,000 – $5,000,000+
Loan-to-Value (LTV): Up to 75%
Rates: Starting from 8.99%
Terms: 1–24 months
Locations:
GTA, Vaughan, Toronto, York Region, Simcoe, Durham, Peel, Halton & more
Property Types:
Detached, semi-detached, townhomes, condos (case-by-case), multi-residential
We prioritize liquidity and location to protect both borrowers and investors.
Can Refinancing Lower Your Monthly Payments?
Yes — often significantly.
Refinancing is one of the most effective ways to reduce monthly obligations.
By consolidating:
Credit cards
Unsecured loans
CRA debt
Mortgage arrears
…into one manageable payment secured against your home, many homeowners save hundreds or even thousands per month.
We show you the numbers before you commit.
Top Refinance Questions — Answered
How fast can I refinance with Lendworth?
Many files are approved the same day, with funding completed in 24–48 hours, depending on complexity.
Can I refinance with bad credit or missed payments?
Yes. Credit challenges do not automatically disqualify you. We focus on equity, property value, and exit strategy.
How much equity can I access?
Up to 75% loan-to-value, depending on location, property type, and structure.
What are the costs of refinancing?
Private refinancing includes interest, legal fees, and lender fees — all disclosed upfront with no hidden costs.
More Mortgage & Equity Solutions We Offer
Lendworth provides fast, flexible options across the full mortgage spectrum:
First Mortgages
Second Mortgages
Refinance
Home Equity Line of Credit (HELOC)
Bridge Loans
Land Loans
Construction Loans
Whether you’re stabilizing cash flow or planning your next move, we have a solution built around your equity.
Why Borrowers Across Ontario Trust Lendworth
We are a GTA-based private mortgage lender known for:
Speed
Transparency
Fair valuations
Strong investor-backed capital
Backed by Lendworth MIC’s disciplined underwriting, we focus on:
✔ Capital preservation
✔ Efficient execution
✔ Five-star borrower service
January 2026 Is the Time to Act
Every year, homeowners tell us the same thing:
“I wish I did this sooner.”
If refinancing could lower your payments, eliminate stress, or unlock opportunity — don’t wait until options shrink.
👉 Get a Free Refinance Review Today
👉 Speak Directly with a Private Mortgage Expert
Lendworth — Private lending built for real life.
Your equity deserves more™