Educational Mortgage Videos
Watch our video series to understand your options when the banks say no. Short, plain-language explanations of bad credit mortgages, home equity lending, and how to protect your home, from the team that works on these files every day.
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Educational Mortgage Videos for Canadian Homeowners
Mortgage financing gets complicated fast, especially when a bank has already turned you down. These videos break down the equity-based options available to Canadian homeowners who don't fit traditional lending criteria, so you can understand your choices before you pick up the phone.
Across the series we cover home equity loans and HELOCs, second mortgages, reverse mortgages for homeowners 55 and older, and private mortgages. We also walk through the situations that bring most homeowners to us: bad credit mortgages, property tax arrears, foreclosure and power of sale, job loss, and getting financing during or after a bankruptcy or consumer proposal. Each video is short, practical, and free of jargon.
Watch and Learn
LendToday.ca Why Choose Us
Who we are and how we help homeowners the banks won't. About LendToday
Bad Credit Mortgage
How homeowners with bruised credit still get approved using equity. Bad Credit Mortgages
Reverse Mortgages
How homeowners 55+ turn equity into tax-free cash with no monthly payments. Reverse Mortgages
Buying A House During A Recession
What a downturn means for buyers and how to approach it. Talk to us
Bankruptcy & Consumer Proposal
How home equity can help you pay out a proposal or rebuild after bankruptcy. Talk to us
Handling Job Loss & Your Mortgage
Options for keeping your home current when income suddenly stops. Talk to us
Home Equity Loans
How to borrow a lump sum against the equity in your home. Home Equity Loans
Home Equity Line of Credit (HELOC)
How a revolving line of credit against your home works. HELOCs
Property Tax Arrears
How to clear unpaid property taxes and stop a tax sale using equity. Property Tax Arrears
Home Foreclosure
What foreclosure and power of sale mean and how to stop the process. Talk to us
Second Mortgages
How a second mortgage gives you fast access to equity behind your first. Second Mortgages
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These Videos Are For Homeowners Who
- Have bad credit or have been declined by a bank
- Need to access the equity in their home
- Are facing property tax arrears or a tax sale
- Are dealing with foreclosure or power of sale
- Are in or recovering from a consumer proposal or bankruptcy
- Need a second mortgage or private financing
- Are 55+ and want to understand reverse mortgages
- Have lost income and need to stay current on their mortgage
Heard a Term You Didn't Recognize?
Mortgage lending comes with its own language. Our Canadian mortgage glossary breaks down the terms you'll hear in these videos, and at the lawyer's office, in plain English.
Put the Knowledge to Work
Frequently Asked Questions
What is a second mortgage?
A second mortgage is a loan secured against your home that sits behind your existing first mortgage. Your first mortgage stays exactly as it is, and the second mortgage gives you access to your equity without breaking your current term. Approval is based primarily on the equity in your home rather than credit score or income.
What is the difference between a HELOC and a home equity loan?
A home equity loan gives you a one-time lump sum with set payments, which works well for a single defined need like consolidating debt or paying out arrears. A HELOC is a revolving line of credit: you draw what you need, when you need it, and pay interest only on the amount you've used. The right choice depends on whether your need is one-time or ongoing.
How much of my home's equity can I borrow?
It depends on the product and lender. Federally regulated lenders cap HELOCs at 65% of your home's value and refinances at 80%, less what you owe on your mortgage. Alternative and private lenders may consider higher ratios depending on the property and situation. Our Home Equity Calculator gives you a quick starting estimate.
Can I get a mortgage with bad credit?
Yes. Equity-based lending is approved primarily on the equity in your home, not your credit score. Homeowners with bruised credit, past missed payments, or income that's hard to document through traditional channels get approved regularly.
Can I get a mortgage during or after a bankruptcy or consumer proposal?
In many cases, yes. Equity lenders can work with homeowners who are in or have completed a consumer proposal or bankruptcy, and home equity is often used to pay out a proposal early. Each situation is different, so speak with us about your specific file.
What is a reverse mortgage and who qualifies?
A reverse mortgage lets homeowners aged 55 and older convert home equity into tax-free cash with no required monthly payments. The loan is repaid when the home is sold. It's a common option for retirees who have significant equity but limited monthly income.