✽ Start here: Private Mortgage Guide Ontario
Lendworth Understands New to Canada Borrowers.
Quick Application
Submit a short application with basic info about your property.
No Credit Requirements
Approval based on equity — not credit score.
Fast Funding
Clear lending decisions in as little as 24 hours.
Common Situations We Can Lend to Non-Residents
We take a balanced, equity-focused approach to underwriting for Ontario private mortgages.
✔ Credit card debt
✔ Personal loans
✔ Lines of credit
✔ Consumer Proposals
✔ Collections
✔ CRA tax arrears
✔ High-interest loans
✔ Overdue
✔ Business debt
Lendworth specializes in new to Canada mortgage solutions across Ontario.
We focus on your home equity and property value — not rigid Canadian income history requirements — making it easier for newcomers, recent arrivals, and self-employed borrowers to access clear, practical mortgage solutions when traditional banks cannot approve the file.
Home Equity Lines
Flexible access to your home’s equity
First Mortgages
Fast, Flexible Financing When Banks Say No
Second Mortgages
Use equity for cash flow or debt consolidation
Bridge Loans
Short-term equity financing between transactions
Who Qualifies?
Designed for Borrowers Who Don’t Fit Traditional Bank Requirements. We are your private lender in Ontario.
Own a home in Ontario
Have 20–25% equity
Need fast or flexible mortgage options
Self-employed, new to Canada, or non-traditional income
Bank declined you
Need to consolidate high-interest debt
How it works?
Apply Online
Submit your basic details — no documents needed upfront.
Receive Your Approval
We assess your equity and property value, not your credit score.
Get Funded Fast
Funds are released once documents/appraisal are completed.
Trusted by New to Canada Borrowers Who Need Fast, Flexible Mortgage Solutions.
Lendworth understands real income — and makes approval simple.
Top New to Canada questions answered
Lendworth is a direct private mortgage lender.
Yes. Unlike banks, Lendworth does not require tax returns, NOAs, business financials, or T1s for most self-employed borrowers. We lend based on your home’s equity, not your paperwork. If your business income is inconsistent, cash-based, or newly established, you can still get approved quickly.
Banks rely heavily on taxable income, which is usually much lower for new Canadians due to lack of history.
Lendworth focuses on:
• Equity
• Property value
• Exit strategy
• Real-world financial circumstances
This allows us to approve files that banks decline — often within 2 hours.
Our new to Canada mortgage solutions help Ontario owners with:
• New homes
• Debt consolidation
• Consolidating high-interest loans
• Financing renovations or expansions
• Stabilizing cash flow during slow months
Whether you are a new Canadian or a growing family, Lendworth offers practical, fast solutions.
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?