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.
Home Equity Calculator

Home Equity Loan Calculator: How Much Do I Qualify For?

Consider using the equity in your home to consolidate debts, complete renos and more. You can leverage the equity in your home to borrow money to pay for significant expenses or consolidate debts by getting a home equity loan. Equity

Renew or Switch Mortgages With Bad Credit

Renew or Switch Mortgages With Bad Credit

Learn how it’s possible to renew or switch mortgages with bad credit or a less-than-perfect credit score. In Canada, 2.85% of the population has a credit score of less than 520, and 15 % have a “bad” credit rating of

Pickering Ontario Second Mortgage

How to Get a Second Mortgage in Pickering Ontario

If you’re looking to use your equity to get a fresh start, find out to get a second mortgage in Pickering Ontario. Durham region’s town of Pickering is one of the most unique places to live in the area. Not only are

Mortgage With Low Income in Ontario

How to Get a Mortgage With Low Income in Ontario

It’s time to move and you’re wondering how to get a mortgage with low income in Ontario. If you’re looking to buy a home in Ontario on a lower income, we’re here to help. Whether you have a poor credit

Self-Employed Mortgage Solutions in Pickering Ontario

Self-Employed Mortgage Solutions in Pickering Ontario

Insight on how to find self-employed mortgage solutions in Pickering, Ontario. If you’re self-employed you may be overwhelmed by the different types of mortgage options out there. To help you kick-start your application, we’ve rounded up a handy self-employed mortgage

7 Tips on Getting a Second Mortgage in Hamilton, ON

7 Tips on Getting a Second Mortgage in Hamilton ON

Here are 7 tips on getting a second mortgage in Hamilton, ON. Most people don’t keep up to date on the latest developments in the mortgage market, but many significant things have been happening. In 2020, mortgage borrowing set new

Refinance My Mortgage With Bad Credit

Refinance My Mortgage With Bad Credit

Did you know that Canadian households are carrying around $2.5 trillion in outstanding debt? 2/3 of this debt comes from mortgages while only 1/3 was for every other debt type. If you’re a Canadian homeowner with outstanding mortgage debt, these statistics may

Private Mortgage Lender in Hamilton, Ontario

Private Mortgage Lender in Hamilton, Ontario

A private mortgage lender in Hamilton, Ontario may be the solution you’re looking for. You’ve heard the familiar story for self-employed people. They want to own their own home in Hamilton, Ontario, but the banks keep turning them down. A

Comparing the mortgage penalty clauses in Canada

Powerful Mortgage Penalty Costs and How to Save: 2025

Understanding Your Mortgage Penalty in Canada A deeper look into mortgage penalties, how mortgage penalties are calculated, and how you may be able to reduce them. When you take out a mortgage in Canada, you expect to pay back the

Commercial Mortgage Ontario

Obtaining a Commercial Mortgage in Ontario

Obtaining a commercial mortgage in Ontario can be challenging. We’ve found unique lending options to help complete your mortgage and close on your property. These are exciting times for building a business in Ontario. Did you know that nearly 98 percent

Which is Better HELOC or Cash-Out Refinance

Which is Better HELOC or Cash-Out Refinance

Which is better HELOC or cash-out refinance? Buying a home in Canada isn’t only rewarding and fulfilling, but it’s also beneficial in many ways. If down the road you need funds to help you renovate or pay off credit, you can

Second Home Mortgages: Everything You Need to Know

Second Home Mortgages: Everything You Need to Know

Second home mortgages: Everything you need to know. The record-low interest rates in the past year have resulted in many homeowners in Canada considering buying a second property. Whether it’s a cottage, lake house, vacation property, rental property, or something else, Canadian