First Mortgages
Get approved in as little as 24 hours, even with bruised credit, low income, self-employment, or urgent timelines.
Lendworth specializes in asset-based first mortgages that unlock your home’s equity when traditional banks say no.
Private lending built for real life.
Banks take weeks. We approve in hours.
Rates starting at 8.99%
Flexible income & credit requirements
First positions up to 75% LTV
Fast closings — often within 24–48 hours
Appraisal-based approvals with our proprietary valuation model
Ontario-wide coverage (with emphasis on GTA, Vaughan, Toronto, York Region)
No hidden fees
Clear terms, investor-grade compliance, and capital preservation focus
We lend based on the strength of the property, not endless paperwork.
Who qualifies for a first mortgage?
Perfect for homeowners who:
Need funds quickly for debt consolidation, renovations, bridge financing, or business capital
Are self-employed or have non-traditional income
Have credit challenges, collections, or past late payments
Were declined by banks or credit unions
Need a simple, stress-free private option
Want short-term financing without long-term penalties
If you own a property with available equity — you’re likely approved.
How can you use the money?
Your equity. Your choice.
Pay off high-interest debt
Renovate or upgrade your home
Buy an investment property
Cover tax arrears or CRA issues
Consolidate mortgages or loans
Refinance for lower payments
Fund a business or new project
Bridge a purchase while waiting for a sale
We tailor every mortgage to your goals.
Our lending criteria
Clear, simple, transparent.
Loan Amounts: $100,000 – $5,000,000+
LTV: Up to 75% depending on location & property type
Rates: Starting from 8.99%
Term Options: 1–24 months
Locations: GTA, Vaughan, Toronto, York Region, Simcoe, Durham, Peel, Halton and more.
Property Types: Residential detached, townhomes, semis, condos (case-by-case), multi-residential
We prioritize liquidity and location to protect both borrowers and our investors.
Why Borrowers Trust Lendworth
We are a GTA-based private mortgage lender committed to transparency, fast turnaround, and strong investor-backed lending. Our approvals rely on real-world property values, ensuring you receive a fair and accurate offer every time.
Backed by Lendworth MIC’s disciplined underwriting process, we focus on capital preservation, efficient execution, and five-star service.