First Mortgage Rates
Ideal for homes in the Greater Toronto Area. Maximum loan amounts are applicable. Options in 48 hours.
Get Options- Up to 75% LTV
- No minimum credit*
- One year term
- Pre-paid interest option
Second Mortgage Rates
Ideal for consolidating debt, home improvements, or accessing your equity. Clear decisions in 48 hours.
Get Options- Up to 75% LTV
- No minimum credit*
- One year term
- Pre-paid interest option
HELOC Rates
Want access to equity but not just yet? Keep your options open for when you need them. Clear lending decisions.
Get Options- Up to 75% LTV
- No minimum credit*
- Flexible term
- No pre-payment fees
✽ Rates can change based on risk, urgency, and structure — acting early gives you better options.
What Determines Your Rate?
Private mortgage rates reflect speed, flexibility, and risk — not just credit score.
Equity
Higher equity = lower risk = better rate
Property Location
Toronto / GTA = stronger pricing
Loan Position
First vs second mortgage
Why Private Mortgage Rates Are Higher Than Banks
For many homeowners, the cost of waiting, penalties, or losing a property is far greater than the interest rate itself.
✔ Banks = strict rules
✔ Private lenders = flexibility
✔ Equity-based
✔ Quick closings
✔ 24 hour approvals
✔ Bad or no credit OK
✔ No income OK
✔ No job OK
✔ Time to breathe
As a direct private mortgage lender in Ontario, Lendworth makes lending decisions based on property value and available equity — not credit score or income — with same-day decisions and funding often completed within 24–48 hours, giving homeowners the time and relief needed to protect their home and regain control.
Unlock Your Home’s Equity — Get Your Free Approval Now
Find out how much you can borrow today.
Calculate Your Interest-Only Payment
Enter your loan amount and interest rate to see your estimated payment. Adjust frequency and term if needed.
Who Qualifies?
Designed for Ontario homeowners who need fast, flexible mortgage solutions.
Own a home in Ontario
Have 20–25% equity
Credit is not the greatest
File already with lender’s lawyers
How it works?
Request a Review
Submit your basic details — no documents needed upfront.
Receive Your Decision
We review your equity and property value to determine viable lending options.
Get Funded Fast
Funds are released once documents/appraisal are completed.
Trusted by Ontario Homeowners Who Need Fast, Flexible Private Mortgage Solutions.
Lendworth moves quickly to stop the process and protect your home.
Related Mortgage Solutions
Private Mortgage Ontario
Flexible, equity-based mortgage solutions across Ontario.
Debt Consolidation
Use your home equity to simplify payments and reduce financial pressure.
Mortgage Declined
Funding available in as little as 3–5 business days, depending on property and structure.
Can't Pay Mortgage
Act early to stop missed payments from turning into legal action.
Lendworth helps Ontario homeowners move quickly using equity-based private lending — without complicated bank rules.
Ready for Fast, Flexible Financing?