Mortgage Solutions for Ontario Homeowners, Even When Banks Say No
We help Ontario homeowners find home financing when traditional lenders can't, from home equity and refinancing to solutions for difficult and time-sensitive situations.
Speak With an Expert 1-855-242-7732- 30+ years combined experience
- FSRA licensed brokerage
- Access to alternative and private lenders
- Mortgage specialists
By submitting, you agree to be contacted about your inquiry. Every initial consultation is free and comes with no obligation.
- Free, No-Obligation Consultation
- Approvals in as Little as 24 Hours
- Equity-Based Lending Focus
- We Handle the Legwork
Mortgage Help That Fits Your Situation
Find the solution that matches where you are right now. Every situation is different, and so is every mortgage we arrange.
A rigid bank checklist doesn't have to be the end of the road. Alternative lenders look at the bigger picture.
Explore alternative lending →If you've received a notice, acting early gives you the most options. We help homeowners find a path forward.
Stop power of sale →Consolidating high-interest balances into your mortgage can simplify your payments into one monthly amount.
Refinance to consolidate →Business owners and commission earners are often turned away by banks. We work with lenders who understand your income.
Self-employed options →A low credit score doesn't automatically close every door. Equity-based lending focuses on more than your score.
Bad credit solutions →Unpaid property taxes or tax debt can put your home at risk. Your home equity may offer a way to bring things current.
Tax arrears financing →Put the value you've built in your home to work, whether for renovations, investments, or major expenses.
Home equity loans →A Simpler Path to a Mortgage Decision
Four straightforward steps, with a real person guiding you through each one.
Apply Online or Call
Start with a quick online application or a phone call. No lengthy paperwork to begin.
Speak With an Expert
Talk through your situation with a mortgage expert who takes the time to understand your goals.
We Compare Your Options
We do the legwork, comparing options across our lender network to find a fit for your needs.
Review the Right Solution
You review the solution that fits, with clear guidance every step of the way.
Why Banks Say No, and How We Say Yes
Banks follow a strict, one-size-fits-all checklist. If your situation doesn't tick every box, the answer is often no, even when you have real equity and a solid plan. Common reasons banks decline include:
- A lower credit score
- High debt-to-income ratios
- Missed or late mortgage payments
- Property tax or income tax arrears
- A past consumer proposal or bankruptcy
- Self-employed or non-traditional income
We take a different approach. By focusing on the equity in your home and the full picture of your finances, we help homeowners find options that a single bank simply can't offer. Learn more about alternative B lending and private mortgages.
One Application, a Whole Network
Instead of relying on a single lender, we work across a broad network. That means more paths to a solution and more room to match your situation to the right fit.
Why Homeowners Choose LendToday
The difference is in how we work, and who we work for.
Specialists in Tough Situations
Difficult and time-sensitive files are what we do every day, not the exception.
Beyond the Big Banks
Access to an alternative lending network means more options than any one institution.
Ontario-Focused Expertise
We know the Ontario market and the lenders who serve homeowners here.
We Do the Heavy Lifting
Our team handles the legwork, so you don't have to chase paperwork or lenders.
Free, No-Obligation Start
Every initial consultation is free and comes with no obligation.
A Real Conversation
You speak with a person who listens first, then finds solutions that fit.
See How Much You Could Access
Curious how much equity you may be able to tap into? Our quick and easy home equity calculator gives you an estimate in minutes.
Learn Before You Borrow
Clear, practical guides to help you make confident decisions about your mortgage.
Credit Scores & Mortgages
How your credit score affects your options, and what you can do about it.
How to Qualify
What lenders look for and how to put your best application forward.
Power of Sale Guide
Understand the process and the options available to Ontario homeowners.
Mortgage Glossary
Plain-language definitions for the mortgage terms you'll come across.
Educational Videos
Short videos that break down common mortgage questions and concepts.
From Our Blog
Articles and insights from our team on the Canadian mortgage market.
Serving Homeowners Across Ontario
Local knowledge across the province, with dedicated pages for the communities we serve.
Common Questions From Ontario Homeowners
Who is LendToday?
Can I qualify with bad credit?
What if my bank already declined me?
Can I get a mortgage if I'm self-employed?
How does the process work?
Can you help if I'm facing power of sale?
How much equity do I need to borrow?
Is my initial consultation really free?
Get a Free Mortgage Review
Tell us about your situation and we'll help you understand your options. Every initial consultation is free and comes with no obligation.