David Cumberbatch

David is the co-founder of LendToday and a seasoned mortgage professional with over 15 years of experience helping Canadian homeowners navigate complex financial challenges. Based in Ontario, he specializes in home equity loans, second mortgages, and private lending solutions—especially for those denied by traditional banks or dealing with bad credit. David’s award-winning service and trusted lender relationships allow him to offer fast, reliable mortgage options tailored to each client’s unique situation. His passion for financial education and technology continues to drive LendToday’s mission: to help more Canadians secure a stronger financial future while getting the best possible mortgage solutions.
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

Home Equity Loans No Closing Costs

Home Equity Loans With No Closing Costs

Home Equity Loans With No Closing Costs As a Canadian homeowner, you might be exploring ways to access the equity you’ve built up in your home. One option that stands out is a home equity loan, especially with no upfront

All About Power of Sale Canada

All About Power of Sale For A Mortgage in Canada

Understanding Mortgage Power of Sale in Canada The concept of mortgage power of sale can be complex and intimidating for Canadian homeowners, especially when facing financial difficulties. However, with comprehensive knowledge and guidance, navigating through this process becomes more manageable.

Home Equity Loans and Personal Loans

Personal Loans and Home Equity Loans for Canadian Homeowners

Personal Loans and Home Equity Loans for Canadian Homeowners In the world of money matters, Canadian homeowners often face tough choices, especially when dealing with bad credit and the impact of rising prices on their finances. It’s crucial to understand

Reverse Mortgage Loans

How Reverse Mortgage Loans Work

How Reverse Mortgage Loans Work In the realm of Canadian real estate, reverse mortgage loans have emerged as a noteworthy financial tool, particularly for homeowners aged 55 and above. These loans offer a unique avenue for individuals to leverage the

Missed Mortgage Payments

What Happens If You Can’t Pay Your Mortgage

What Happens If You Can’t Pay Your Mortgage  Homeownership in Canada is rewarding and a significant milestone for many. However, with the privilege of owning your home comes great responsibility. Life throws the unexpected at you – financial hardship, job

Collateral Mortgages

How Mortgage Collateral Works; A Comprehensive Guide

How Mortgage Collateral Works; A Comprehensive Guide In the world of Canadian real estate and finance, understanding how mortgage collateral functions is crucial for anyone looking to purchase property or refinance existing loans.  This comprehensive guide will delve into the

A Canadian Tale of Conquering Property Tax Arrears

  Picture this: you’ve worked hard to secure a place to call home, nestled in the heart of Ontario. The familiar sights and sounds of your neighbourhood bring comfort, but one day, an unexpected burden arrives—property tax arrears.  It’s a

Equity Loan Mortgages

Understanding Home Equity Loans in Ontario Canada

Home equity loans can be a powerful financial tool, providing a substantial boost when used wisely. In this blog, you’ll learn more about maximizing the benefits of home equity loans. We’ll guide you through how to use them, and share

surviving financially by planning what to do during economic recession

How to Survive Financially During an Economic Recession

The health of the economy is unpredictable and economic recessions are all too frequent. During these times, many Canadians find it challenging to make ends meet, especially as salaries may remain stagnant while prices continue to rise. Fortunately, there are