Blog - LendToday.ca

BC Property Tax Arrears Solutions: Protecting Your Home in 2025

Homeowners facing BC property tax arrears often feel pressure quickly because penalties, accrued interest, and municipal timelines escalate faster than expected. In British Columbia, unpaid property taxes can lead to a tax lien, legal notices, and eventually a tax sale...

November 28, 2025

Hard Money Lenders in Ontario: A Comprehensive Guide for 2025

Mortgage

Hard Money Lenders in Ontario: A Comprehensive Guide for 2025

Hard money lenders in Ontario, commonly known as private lenders, offer faster, equity-based mortgage solutions for borrowers who need short-term financing, have bruised credit, or are working under tight timelines. These lenders focus on property value rather than credit scores...

November 25, 2025

Mortgage

The Critical Consequences of Not Paying Your Mortgage for 3 Months

Not Paying Your Mortgage for 3 Months Missing a mortgage payment once is stressful. Missing three months in a row can feel terrifying. Collection calls start, letters arrive in the mail, and you may wonder: “Am I going to lose...

November 21, 2025

The Critical Differences Between a HELOC and a Home Equity Loan Every Canadian Homeowner Must Know

HELOC Home Equity Loan

The Critical Differences Between a HELOC and a Home Equity Loan Every Canadian Homeowner Must Know

The Critical Differences Between a HELOC and a Home Equity Loan Every Canadian Homeowner Must Know When you’ve built up equity in your home, it can feel like you’re sitting on a powerful financial tool — and you are. Two...

November 19, 2025

How to Get a Personal Loan Secured by Home in Canada in 2025

Finance

How to Get a Personal Loan Secured by Home in Canada in 2025

A personal loan secured by your home allows Canadian homeowners to borrow large amounts at lower interest rates by using their property as collateral. This type of financing, typically offered as a home equity loan, home equity line of credit...

November 17, 2025

Debt Consolidation vs. Consumer Proposal in Ontario: Here are 7 Helpful Facts

Finance

Debt Consolidation vs. Consumer Proposal in Ontario: Here are 7 Helpful Facts

1) What These Options Actually Mean (Plain-English Overview) Debt consolidation means rolling multiple high-interest debts (credit cards, lines of credit, personal loans) into one new loan with a lower interest rate and a single monthly payment. If you own a...

November 13, 2025

9 Creative Ways to Use Home Equity in Canada

Finance Mortgage

9 Creative Ways to Use Home Equity in Canada

1) What Is Home Equity (and Why It Matters) Home equity is the difference between your property’s market value and the balance of any mortgages or liens secured against it. As you pay down your mortgage and/or your home value...

November 11, 2025

Mortgage

7 Helpful Ways to Get a Mortgage After a Consumer Proposal

If you’ve completed (or are completing) a consumer proposal and you’re wondering whether homeownership is still on the table—good news: you can absolutely qualify for a mortgage after a consumer proposal. The path is different, and the rules are tighter,...

November 7, 2025

Credit Rebuilding Playbook for Homeowners: 10 Tools to Better Your Score

Finance

Credit Rebuilding Playbook for Homeowners: 10 Tools to Better Your Score

Why Credit Rebuilding Is Different for Homeowners As a homeowner, you already have secured debt (your mortgage) and often have available equity. That opens strategies renters can’t access, like consolidating high-interest cards into a lower-rate mortgage refinance, HELOC, or second...

November 5, 2025