✽ Serving Ontario
Why Home Equity Debt Consolidation Works
Lower Payments
Replace high-interest debt with one affordable payment.
No Credit Requirements
Approval based on equity — not credit score.
Fast Relief
Clear lending decisions fast, with funding once documents are complete.
What Debts Can You Consolidate?
If high-interest debt is overwhelming you, using your home’s equity can provide a fast, affordable solution.
✔ Credit card debt
✔ Personal loans
✔ Lines of credit
✔ Consumer Proposals
✔ Collections
✔ CRA tax arrears
✔ High-interest loans
✔ Overdue bills
✔ Business debt
Lendworth helps Ontario homeowners consolidate high-interest debt using home equity — replacing multiple unsecured payments with one clear, affordable solution.
We approve based on property value and available equity, not rigid credit scores or income stress tests — even when banks say no.
Home Equity Lines
Flexible Access to Your Home’s Equity Anytime
First Mortgages
Fast, Flexible Financing When Banks Say No
Second Mortgages
Tap Into Your Equity for Cash Flow for Debt Relief.
Bridge Loans
Bridge Your Debt Before Selling Your Home.
Who Qualifies?
Designed for Borrowers Who Don’t Fit Traditional Bank Requirements.
Own a home in Ontario
Have 20–25% equity
Need fast or flexible mortgage options
Self-employed, bad credit, or non-traditional income
Bank declined you
Need to consolidate high-interest debt
How it works?
Request a Review
Share basic property details — no obligation.
Equity Review
We assess property value and available equity (not just credit).
Fast Funding
Once due diligence is complete, funds are released.
Trusted by Ontario Homeowners Who Need Fast, Flexible Debt Consolidation Solutions.
Lendworth helps you lower payments, eliminate stress, and regain control.
Top Debt Consolidation questions answered
Lendworth is a direct private mortgage lender.
A debt consolidation mortgage lets you use your home equity to pay off high-interest debts such as credit cards, personal loans, CRA balances, collections, and payday loans.
By rolling everything into one lower, interest-only mortgage payment, most homeowners see immediate monthly relief and far less financial stress.
Yes. Lendworth focuses on equity, not credit scores. Even if you’ve missed payments, have high utilization, or have been turned down by a bank, you can still qualify. If you own property in Ontario, we can often approve you in 2 hours and fund quickly to stop collection pressure.
Most forms of unsecured debt can be consolidated, including:
• Credit cards
• Lines of credit
• Personal loans
• Car loans
• CRA tax debt
• Collections or judgments
• High-interest installment loans
• Payday loans
Consolidation makes everything simpler with one affordable monthly payment.
More Loan Products We Offer
Explore more of our loan options below and find the one that best fits your needs.
Mortgage Solutions We Offer
We have a solution built around your home equity and your goals.
Lendworth delivers clear, equity-based lending decisions — without complicated bank rules.
Ready for Fast, Flexible Financing?