For nearly 25 years, Ontario has underperformed the rest of the country, resulting in lower living standards, sluggish growth, and a fragile outlook for wage earners and homeowners alike.
But while traditional investments in the province are stagnating, a new class of investors is taking a different route: turning to private mortgage lending and asset-backed strategies like those offered by Lendworth Mortgage Investment Corporation (MIC).
Let’s break it down—and explain why this economic downturn may actually be the smartest time to invest in Ontario’s real estate lending market.
📊 Ontario’s Decline: From Economic Engine to Economic Anchor
In 2000, Ontario’s GDP per capita was 5.1% higher than the national average. By 2023, it had flipped—now 3.2% lower than the rest of the country.
What happened?
- Sluggish growth: Ontario’s economy grew at just 0.55% per year from 2000–2023, compared to 0.91% in the rest of Canada.
- Stagnant wages: Weak productivity gains and poor wage growth have eroded purchasing power.
- Policy inertia: For over two decades, governments failed to meaningfully stimulate high-quality growth.
If Ontario had simply kept pace with the rest of the country’s already-weak growth, the average Ontarian would earn $6,000 more per year today.
🔍 The Fallout: What This Means for Ontarians
The province’s long-term underperformance shows up everywhere:
- Cost-of-living pressures that outpace wage growth.
- Higher debt burdens as residents take on credit to maintain lifestyles.
- A generational affordability crisis in housing, as home prices soared during low-rate years—but incomes didn’t keep up.
This isn’t just an economic footnote—it’s a serious drag on long-term prosperity, investment confidence, and financial security.
💡 So Where’s the Opportunity? Private Lending in Residential Real Estate
Ontario’s economy may be underperforming—but its real estate market is not dead. In fact, population growth, housing demand, and immigration are still driving a need for housing, even as traditional buyers and banks retreat.
This is where Lendworth comes in.
✅ Why Invest in Lendworth MIC?
At Lendworth, we give investors direct access to short-term, asset-backed mortgage opportunities—focusing on residential properties in Toronto, Vaughan, and the GTA.
Our key advantages:
- Conservative LTV (Loan-to-Value) ratios: Our portfolio averages ~60%.
- Secured against real property: You’re not buying stocks—you’re lending against homes.
- 9%+ annual target returns: Outpacing GICs, bonds, and the TSX.
- Registered-eligible: Invest using TFSA, RRSP, RESP, or cash.
- Equity-based underwriting: We lend where banks say no—closing faster and with more flexibility.
As the public markets grind slower, private alternatives like ours are attracting more capital. We’re already seeing record investor participation.
🔁 Economic Pain = Lending Opportunity
The same sluggishness that’s making headlines is creating more borrowers who:
- Don’t qualify under new bank stress tests.
- Need short-term refinancing before selling.
- Have equity but not traditional income verification.
That’s our borrower. And your investment opportunity.
📣 Ontario May Be Slipping, But You Don’t Have To
Let the banks and bureaucrats worry about GDP per capita.
Smart investors are protecting and growing their wealth with hard assets, first-position mortgages, and cash-flowing investments backed by real property.
📍 Whether you're a first-time investor, a retired professional, or managing family wealth, Lendworth MIC is your conservative path to consistent returns—right here in Ontario.
📞 Get in Touch
📍 8750 Jane Street, Unit 10, Vaughan, Ontario