Mortgage guidance for homeowners across Canada, with in-depth coverage of Ontario lending.
The Canadian mortgage blog at LendToday.ca exists for one reason: to give homeowners clear, practical information about the mortgage situations that banks rarely explain well. Most mortgage content online is written for people with perfect credit, steady salaried income, and no complications. That describes very few of the homeowners who come to us.
Our articles are written for the other situations. Falling behind on payments. Receiving a notice of sale. Carrying property tax arrears or debt owed to Revenue Canada. Being self-employed and hearing no from a bank that could not read the income properly. Wanting to access built-up equity without refinancing an entire first mortgage. These are the topics we write about, because these are the calls we take.
We work with homeowners across Canada through a network of more than fifty lenders, and our brokerage is licensed in Ontario. A meaningful share of what we publish covers Ontario processes in detail, because power of sale, property tax sales, and land registration are provincial matters and the rules genuinely differ from one province to the next. Where an article covers something Ontario specific, we say so plainly rather than presenting it as a national rule.
The writing here comes from working mortgage professionals rather than from a content agency. Every article is written or reviewed by someone who arranges these mortgages, which is why the guidance tends to be more direct about tradeoffs, costs, and the situations where a particular product is the wrong answer.
If you are trying to understand a specific situation rather than browse, the section below routes you straight to the right place. If you would rather talk it through with a person, a consultation is free and comes with no obligation.
Looking for something specific? Search every article, or browse by topic below.
Six of the most common reasons homeowners reach out. Each one goes straight to a page that explains the options in full.
A notice of sale starts a clock. Understanding the redemption window and what stops the process is the first step to keeping the home.
Stop a power of sale →Arrears grow quickly once legal and interest costs are added. There are options at this stage that disappear later on.
Mortgage arrears help →Equity built up in a property can be accessed without disturbing a first mortgage you want to keep in place.
Home equity loans →A low score does not close every door. Equity-based lending weighs the property and the full financial picture, not just the number.
Bad credit mortgages →Business owners and commission earners are often declined because a bank cannot read the income correctly, not because it is insufficient.
Self-employed options →Unpaid property taxes and CRA debt can both put a home at risk. Home equity is often the route to bringing them current.
Tax arrears financing →Everything we have published most recently, newest first.
Filing a consumer proposal can be a major relief for Canadians dealing with overwhelming debt. But for homeowners in Ontario, there’s one big question: Will a consumer proposal affect your mortgage? The short answer: Yes, it can — but not
5 Reasons Consolidating Debts with a Home Equity Loan May Benefit Your Financial Future Are you juggling multiple monthly debt payments with high interest rates? If so, you’re not alone—and there may be a solution that simplifies your finances while
For many Canadian homeowners, the idea of tapping into their home equity is appealing—especially when life throws unexpected expenses or when there’s a goal to consolidate debt, invest in home upgrades, or help a child with post-secondary tuition. But what
Accessing the equity in your home can feel like a lifeline—especially if you’re dealing with bad credit and struggling to find financing options. For many homeowners in Ontario, a home equity loan with bad credit can offer real financial relief,
Struggling with bad credit doesn’t mean you’re out of options. If you’re a Canadian homeowner looking to access funds through a Home Equity Line of Credit (HELOC), your credit score plays a role, but it’s not the only factor lenders
Millions of Canadians rely on their homes not just for shelter but as a cornerstone of their financial health. But what happens when you can’t pay your mortgage anymore? Life events like job loss, rising expenses, divorce, or unexpected illness
In today’s rising-rate environment, more Canadian homeowners are relying on second mortgages to stay afloat. But what happens when payments fall behind? Can the second mortgage lender force the sale of your home? And more importantly, when is it too
Consolidating Unsecured Debts into Your Mortgage: A Smart Path to Financial Freedom In today’s high-interest economy, many homeowners find themselves juggling multiple unsecured debts—credit cards, personal loans, lines of credit, and other high-interest liabilities. If you’re feeling overwhelmed by minimum
Introduction Foreclosure is one of the most distressing financial situations a homeowner can face. When mortgage payments are missed, lenders can initiate legal proceedings to recover their funds, potentially leading to the loss of the home. However, many homeowners wonder:
Our most useful in-depth articles, grouped by the situation they solve. Start with these if you are new here.
The full process from notice of default through to sale, including redemption rights and the protections homeowners hold at each stage.
Nine routes homeowners use to pause, restructure, or replace a mortgage before losing the property or the equity built up in it.
What actually happens after a missed payment, why Ontario lenders use power of sale instead of foreclosure, and where the deadlines fall.
The timelines that follow a notice of sale, the costs that accumulate, and the practical steps that can reinstate a mortgage.
What a lender can and cannot do after a missed payment, and how far behind a homeowner usually is before anything formal begins.
Why a consumer proposal deals with unsecured debt rather than a mortgage, and what keeps a home out of the process.
Financing options during a proposal and after discharge, and how lenders read a proposal on a credit file over time.
A mortgage-free home is one of the strongest positions a lender can see. Here is how to borrow against it without giving up that position.
How a revolving line differs from a lump sum advance, the equity position lenders look for, and where alternative lenders fit.
How a lender holdback structures interest upfront, who this suits, and the tradeoffs to weigh before choosing it.
What lenders want to see from self-employed, contract, commission, and gig income, and why lender choice matters more here.
Two ways a mortgage gets registered against a property, and the costs and switching limits most borrowers are never told about.
Run the numbers or look up the terminology before you call. Everything here is free to use.
Reading only takes you so far. If you want an honest read on your own situation from someone who arranges these mortgages every day, book a consultation. It is free and comes with no obligation.
Book a Free ConsultationOr call 1-855-242-7732, toll-free across Canada.