Banks love your property…
…but they don’t love approving you for large mortgages.
Self-employed?
Business owner?
Asset-rich but income-light?
Divorcing?
Renovating a luxury home?
Needing $1M–$4M fast?
Suddenly, your bank becomes “by the book.”
That’s exactly why Jumbo Equity Mortgages are becoming one of the fastest-growing financing solutions in Ontario’s luxury real estate market.
And in 2026, with interest rates fluctuating and banks tightening credit even further…
Borrowers are ditching traditional lenders entirely.
Let’s talk about what’s happening — and why.
🔥 The Bank Problem: “You’re Wealthy… But You Don’t Qualify.”
High-value homeowners face a unique issue:
You may own a multimillion-dollar property, but banks still require:
2 years of tax returns
Declared income that fits their debt ratios
Perfect credit
Low CRA debt
Employment verification
This knocks out:
✔ Business owners
✔ Real estate investors
✔ Commission-based earners
✔ Self-employed professionals
✔ Borrowers with CRA arrears
✔ Borrowers with high write-offs
✔ Anyone in a life event (divorce, inheritance, separation)
Meanwhile, your home may have $1M–$4M in available equity…
But the bank won’t let you touch it.
💡 The Solution: Jumbo Equity Mortgages
Jumbo Equity Mortgages let you access large amounts of capital ($1,000,000 to $4,000,000+) using your home’s equity, not your income.
Approval is based on:
Your property value
Your available equity
Your loan-to-value (LTV)
The strength of the property
Not:
❌ Your income
❌ Your credit score
❌ Traditional documents
This is why high-net-worth borrowers are using Jumbo Equity Loans to restructure debt, invest, renovate, settle legal issues, or move quickly on opportunities.
🏡 Who Uses Jumbo Equity Mortgages? (You’ll Be Surprised)
1. Luxury homeowners needing $1M–$5M fast
Renovations, upgrades, even pre-sale improvements.
2. Investors leveraging multi-unit or high-value rentals
Often need fast capital for expansion.
3. Business owners with high write-offs
They have assets — not “bankable income.”
4. Borrowers in divorce or buyout situations
Banks rarely approve these quickly.
5. Clients with CRA or tax arrears
Equity pays off arrears instantly.
6. High-end bridge financing
Buy your next luxury home before selling the current one.
7. People finishing construction or over-budget projects
Builders and homeowners hit this wall constantly.
8. Those refinancing out of expensive private lenders
Replace multiple loans with one jumbo product.
If your home is worth $1.5M to $10M+, a Jumbo Equity Mortgage puts your equity to work immediately.
⚡ How Fast Can You Get Funded?
At Lendworth:
Same-day approvals
Funding in 48–72 hours
No income verification
No bank-style paperwork
No stress tests
No CRA clearance required
This speed is exactly why jumbo clients choose private lending.
🧠 The Equity Advantage: “Your property works for you.”
Unlike banks, Lendworth looks at:
Your property’s current market value
Your available equity
The neighborhood and market demand
Your loan request and reason
We don’t punish borrowers for:
Being self-employed
Having irregular income
Owing CRA taxes
Going through a separation
Having credit challenges
Your equity — not your tax returns — is what matters.
💬 Real Case: $2.6M Loan Approved in 72 Hours
A business owner in Richmond Hill needed $2.6 million to:
Buy out a spouse
Pay CRA arrears
Fund renovations for resale
His bank said:
“We’ll need full tax filings and 2–3 months for underwriting.”
He didn’t have 2–3 months.
He barely had three weeks.
We approved him same day and funded in 72 hours.
He finished renovations, sold high, and paid off the jumbo loan using proceeds.
This is exactly what Jumbo Equity Mortgages are designed for.
💼 What Can a Jumbo Equity Mortgage Be Used For?
✔ Large renovations ($200k–$600k+)
✔ Business or investment capital
✔ Bridge financing for luxury homes
✔ Clearing CRA or tax arrears
✔ Consolidating multiple mortgages
✔ Paying off private lending
✔ Construction completion
✔ Divorce or succession buyouts
✔ Pre-sale improvement financing
If you can dream it — your equity can fund it.
⭐ Why High-Net-Worth Borrowers Choose Lendworth
✔ Equity-based approvals
No income or credit required.
✔ Fast large-amount funding
48–72 hours.
✔ Flexible terms
Tailored around your situation.
✔ Private, confidential, Ontario-wide
Luxury homeowners trust us to act fast.
🚀 Ready to Unlock $1M–$4M+ From Your Home Equity?
If you own a high-value property, you don’t have to wait weeks for a bank to say “no.”
Lendworth approves Ontario homeowners based on equity, not complicated rules.
👉 Apply now at: lendworth.ca
👉 Or call: (905) 597-1225
Your property is worth more than you think.
We help you unlock it.