David Cumberbatch

David is the co-founder of LendToday and has received several high-achievement awards throughout his years in the industry. Awards such as top young gun, highest volume and units, and 5-star customer service. With a passion for technology and finance, he has had the great honour of working in the mortgage and finance business for 15+ years. To better serve his community, David works tirelessly to educate himself on the residential and commercial industry. Spending time aligning with the best lenders in the market to provide suitable products and services to help his team and clients achieve their goals.
Canadian couple chatting about private mortgage lender options

4 Valuable Questions to Ask a Private Mortgage Lender

Introduction: Valuable Lender Questions Finding the right mortgage can be challenging, especially when traditional lenders like banks aren’t an option. For many Canadian homeowners, private mortgage lenders offer a lifeline, providing the flexibility and speed that banks often cannot match.

Learn all things CRA debt and solutions

3 Best Ways to Repay CRA Debt Using Home Equity

Introduction Managing CRA debt can be overwhelming for Canadian homeowners. The Canada Revenue Agency (CRA) has the authority to place liens on your property for unpaid taxes, which can significantly disrupt your financial stability. Fortunately, home equity offers a practical

Multifamily commercial mortgage housing

Smart Commercial Mortgage Lending in Ontario: A Guide

About Commercial Mortgage Financing Commercial mortgages are a crucial financing tool for business owners and investors in Ontario. These loans are used to purchase, refinance, or improve properties such as storefronts, office buildings, industrial facilities, or multifamily complexes. Understanding the

Navigating real estate affordability in Canada

Navigating Real Estate Affordability in Canada: New Insights

Real Estate Affordability in Canada: Understanding the Challenges The Canadian real estate market has undergone rapid shifts in recent years. Rising property prices and growing demand have made it increasingly challenging for prospective homeowners and renters to find affordable options.

Comparison of a second mortgage versus a HELOC for Canadian homeowners.

A Second Mortgage or HELOC: Which is Right for You?

A Second Mortgage or HELOC: Which is Right for You? Introduction When Canadian homeowners find themselves needing additional funds—whether for home renovations, debt consolidation, or other financial needs—they often consider leveraging the equity in their homes. Two popular ways to

Home Equity Loan Debt Consolidation

How To Use A Home Equity Loan For Debt Consolidation

How To Use A Home Equity Loan For Debt Consolidation In today’s economic climate, many Canadian homeowners are feeling the pressure of rising household expenses. With inflation driving up the cost of everything from groceries to utilities, keeping up with

High Risk Mortgage

High Risk Mortgage Solutions In Ontario

High Risk Mortgage Solutions In Ontario If you’re a homeowner in Ontario struggling to find alternative mortgage solutions when you’ve been declined by your bank or credit union, you’re not alone.  Several Canadian homeowners face challenges when trying to get

Commercial Mortgage Refinance

Essential Commercial Mortgage Refinance Tools

Essential Commercial Mortgage Refinance Tools If you own or aspire to own commercial real estate in Canada, it requires a substantial investment. Whether your property is a multi-family residence, retail space, office space, industrial facility, daycare, restaurant, bar, or self-storage

How To Get Approved For A HELOC in 6 Steps

How To Get Approved For A HELOC in 6 Steps

How To Get Approved For A HELOC in 6 Steps As a Canadian homeowner over time you build up equity in your home that you may need to access at some point. A product like a Home Equity Line of