Refinance Your Mortgage
Access your home’s equity, lower your payments, consolidate debt, or get extra cash. Equity-based private refinance options for Ontario homeowners — even with complex credit, income, or bank declines.
Private lending built for real life.
Clear refinance options delivered fast — with transparent terms and direct lender access.
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 focus on your property, available equity, and a clear refinance plan — not endless paperwork.
Who qualifies for a refinance?
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 your property has available equity and a clear refinance objective, you likely have strong options.
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.
Ontario homeowners trust Lendworth for fast, flexible refinance solutions.
We make the entire process clear, quick, and stress-free from start to finish.
Refinance Questions, Answered
Lendworth is a direct private mortgage lender.
Lendworth can approve most refinance applications within the same day and fund within 48 hours, depending on your lawyer’s availability.
Unlike banks—which may take 10–20 days—private refinancing is designed for speed, especially if you need funds urgently for debt, arrears, renovations, or business needs.
Yes. Your credit score does not need to be perfect to qualify for a refinance with Lendworth.
We lend based on your home’s equity and property value, which means we can often approve refinance mortgages even if you have:
Late payments
Collections
Low credit
Income challenges
Bank declines
This is exactly what private refinancing is for.
We lend up to 80% LTV (loan-to-value) on most Ontario homes.
This allows homeowners to pull out equity for:
Consolidating high-interest debt
Paying off arrears
Stopping a Power of Sale
Renovations or repairs
Business capital
Divorce settlements
If you’re not sure what your LTV is, we can calculate it instantly based on your address.
Refinancing costs vary depending on your situation, but typically include:
Lender fee
Legal fees (your lawyer + lender’s lawyer)
Title insurance
Appraisal (if required)
Admin or processing fees
At Lendworth, all fees are disclosed upfront, and many can be paid from the mortgage proceeds, meaning no out-of-pocket expenses.
Yes—refinancing is one of the most effective ways to reduce monthly payments.
By consolidating high-interest credit cards, unsecured loans, CRA debt, or arrears into one lower payment secured against your home, many homeowners save hundreds to thousands per month.
We can show you your monthly savings before you commit.
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.