As 2025 winds down, more Ontario homeowners are facing financial pressure — rising bills, higher mortgage payments, unexpected expenses, and stricter bank lending rules. But here’s the truth the banks don’t tell you:
If you own a home in Ontario, your equity is worth more than your credit score.
That’s why a surge of borrowers are choosing Lendworth, Ontario’s private mortgage lender, for fast approvals based on equity, not income or credit.
Whether you need cash to consolidate debt, stop a power of sale, pay arrears, finish renovations, or simply lower your monthly payments — Lendworth’s equity-based mortgage solutions can be approved in as little as 24–48 hours.
Why Homeowners Are Choosing Lendworth Over the Banks
1. Approvals Based on Equity — Not Credit
Bad credit? Missed payments? Self-employed? Recently declined?
If your home has equity, you can get approved. It’s that simple.
2. Fast Funding — Often Within 24–48 Hours
When you’re dealing with arrears, debt, or urgent expenses, waiting weeks for a bank decision isn’t an option.
Lendworth funds quickly — sometimes same day.
3. Lower Monthly Payments With Blended-Rate Options
Many borrowers think refinancing their entire mortgage is cheaper — but it often isn’t.
Example:
$500K first mortgage at 5%
$200K second mortgage at 10%
Keeping your low first mortgage and adding a blended-rate second is typically cheaper than refinancing to a new $700K first at 7%.
Lendworth shows you the math — and saves you thousands.
4. Stop Power of Sale Before It Starts
Mortgage arrears are rising across Ontario, but fast action prevents legal costs, credit damage, and forced sales.
Lendworth specializes in urgent rescue financing.
5. Self-Employed? We Understand Your Income
Banks want perfect T1s, NOAs, and T4s.
We lend based on real-world income and real property value.
Top Reasons Borrowers Contact Lendworth
✔ Debt consolidation
✔ Second mortgages
✔ Home equity loans
✔ Bridge loans
✔ Renovation financing
✔ Tax arrears
✔ Mortgage arrears
✔ Stopping power of sale
✔ Business working capital
✔ Insurance payout loans
✔ Bad credit mortgages
If you have equity, we can help — even when others say no.
Real Example: How Lendworth Saves Borrowers Money
A Toronto couple contacted us after the bank declined their refinance.
First mortgage: $525,000 @ 5.09%
Needed: $180,000 for debt + renovations
Bank refinance offer: 7.19% on entire amount
Instead of replacing a great rate, Lendworth approved a $180K second mortgage, bringing their blended rate down and saving them over $700 a month.
This is why homeowners choose equity lending — it’s flexible, fast, and cost-effective.
Thinking About a Mortgage, Second Mortgage, or Refinance? Get a Free, No-Obligation Quote Today
Thousands of Ontario homeowners choose Lendworth because we make borrowing simple, fast, and stress-free.
Get Approved Today
✔ No income documents required
✔ No credit score minimum
✔ Same-day approvals
✔ Funding within 24–48 hours
Lendworth — Ontario’s Equity-Based Mortgage Experts.
📞 Call: 905-597-1225
🌐 Apply Online: www.lendworth.ca/borrow