Every situation is different. We start with yours, find the way forward and take care of the rest.
We work with lenders who care more about the equity in your home than your income or credit score. Tell us what’s going on, and we’ll match you with the right one.
Credit cards and other balances, brought together in one refinance. Their payments dropped by $3,605 a month, and that money now stays in their budget.
The city was threatening to send their house to auction. We got them financed, paid off the arrears and helped them rebuild their credit. Today they have a new first mortgage, and they’re still home.
From Lighthouse clients, with names left out for privacy. Your numbers will depend on your home, your lender and your situation.
From our Google reviews, in their own words.
“I had an amazing experience working with Marko as my mortgage broker! He was incredibly helpful, professional, and responsive throughout the entire process. He worked quickly to help me secure my mortgage and made what could have been a stressful and overwhelming experience feel smooth and straightforward.”
“Matthew was wonderful to work with. He remained calm and collected every moment of our transaction (Even when I became emotional) and handled everything with the professionalism and integrity. Highly recommend Matthew and the team at Lighthouse Lending!”
“I had a great experience working with William at Lighthouse Lending during my remortgage. Will was very easy to deal with, always responded promptly to my calls and texts, and took the time to explain any concerns I had along the way.”
Matthew
Will
MarkoPayments that fell behind. Rebuilding credit. Income that’s hard to show on paper. Whatever’s going on, we’ve seen it before, and we won’t judge.
We started Lighthouse so Ontario homeowners would have someone in their corner who listens first. We’ll tell you plainly what’s possible, lay out your options and stay with you until your mortgage closes.
See what I qualify forWhatever brought you here, we can help. Pick the one that fits, and we’ll take care of finding the right solution.
Three steps, and you only have to do the first one.
Answer a few quick questions, or call. We start with what you want to fix, not a pile of forms.
No judgementWe know the options across banks, credit unions and private lenders, so we match you with the one that fits and walk you through why.
No pressureOnce you say yes, we handle the lender and the paperwork through to closing, bring your mortgage current and plan your way back to a bank rate.
You decide when to movePlain answers to every question, before you decide.
It’s the process a lender in Ontario can start when mortgage payments fall behind. It takes time, and until a sale happens it can be stopped. Bringing the mortgage current ends it, and the home stays in your name.
No. Files like yours are what private lending is for. With enough equity in your home, your credit history won’t rule you out on its own.
Banks usually stop at 80% of your home’s value, counting every mortgage on it. Private lenders can go further, case by case. Your number comes down to your home’s value, what you still owe and the lender that fits. A quick call will tell you.
With enough equity in your home, a private mortgage can cover the missed payments. It’s a bridge, usually for one to two years: take care of what’s pressing, give things time to settle, then move back to a bank rate.
Private lenders can move faster than banks. Funding follows approval within days, depending on the appraisal and the lawyers’ schedules. If your lender has given you a date, tell us on the first call and we’ll plan around it.
Talking to us doesn’t affect it. We ask before any step that involves a credit check.
Let’s talk it through. Tell us what’s going on and we’ll show you your options and take care of the rest. It costs nothing to get good advice.
