What is equity-based lending?

Equity-based lending focuses on the value of your property and available equity rather than relying only on traditional income formulas or credit requirements.

Does my property qualify?

Your property may qualify for our equity-based lending program if it is in the Greater Toronto Area, well-maintained, and in good condition. Lendworth can lend up to 75% of the property value, evaluating location, loan-to-value, and liquidity. Approval may come in less than two business days.

Are interest rates and fees flexible?

Interest rates and fees are flexible depending on your credit history and ability to make payments. As an equity-based lender, Lendworth assesses risk based on payment capacity, and verified income may support lower rates.

Does EquityCheck™ affect my credit score?

No. Submitting your information for an EquityCheck™ review does not affect your credit score. A credit check may be required later if you proceed with a mortgage.

How long does an EquityCheck™ report take?

Most EquityCheck™ reports are reviewed and delivered within 24–48 business hours, depending on property type and location.

What will I receive in my EquityCheck™ report?

You will receive an estimated property value range, available home equity, a loan-to-value (LTV) analysis, and potential private lending options tailored to your situation.

Does EquityCheck™ affect my credit score?

No. Submitting your information for an EquityCheck™ review does not affect your credit score. A credit check may be required later if you proceed with a mortgage.

How long does an EquityCheck™ report take?

Most EquityCheck™ reports are reviewed and delivered within 24–48 business hours, depending on property type and location.

What will I receive in my EquityCheck™ report?

You will receive an estimated property value range, available home equity, a loan-to-value (LTV) analysis, and potential private lending options tailored to your situation.

Lendworth EquityCheck

Home Equity & Property Valuation

Get a lender-grade view of your property value and usable home equity with Lendworth’s proprietary EquityCheck system. Real market data, comparable sales, and underwriting logic, not a generic online estimate.

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What Is Lendworth EquityCheck?

Lendworth EquityCheck is a proprietary home equity and property valuation review designed specifically from a lender’s perspective.

What your property may be worth today
How much home equity you likely have
How that equity could translate into real borrowing power

We combine:

Local Ontario market expertise
Recent comparable sales and market data
Your existing mortgage and secured debt
Private lending experience and underwriting judgment to deliver a practical, lender-ready equity and value report.

How Lendworth EquityCheck Works?

You submit your property and mortgage details
Address, property type, estimated value, and current mortgage balances.
We analyze your property using our proprietary system
Our team reviews market data, local comparables and lending criteria.
We estimate your property value and home equity
You receive a realistic range for property value, available equity, and approximate loan-to-value (LTV).
We outline possible lending options
First mortgage, second mortgage, equity take-out, refinance, bridge loan or other private solutions, if appropriate.
You decide your next step
Move forward with a tailored mortgage solution, or keep the information for planning — no obligation.

Trusted by Ontario Homeowners Who Need Fast, Flexible Mortgage Solutions.

Lendworth makes it fast, simple, and stress-free.

EquityCheck

EquityCheck – Frequently Asked Questions

Common questions property owners like you have for Lendworth.

Is EquityCheck the same as a formal appraisal?

No. Lendworth EquityCheck is a lender-style equity and value review based on market data and underwriting experience. In some cases, a full appraisal or broker price opinion may still be required as part of the mortgage process.

Is there a cost for EquityCheck?

The initial Lendworth EquityCheck review is complimentary and comes with no obligation to proceed with a mortgage. Basically - free of charge.

How accurate is the estimate?

We use recent comparable sales, local market knowledge and our lending experience to provide a realistic range. Final lending decisions may also consider appraisals, title searches, income, and other factors.

How long does it take to receive my EquityCheck?

In many cases, a Lendworth specialist can review your file and provide a preliminary equity and value overview within 24 hours.