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.
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

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