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
MarkoBills on different due dates. Balances that never seem to shrink. Income that’s hard to show on paper. Whatever it is, we’ll talk it through, 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 change, 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. You end up with one mortgage and one payment.
You decide when to movePlain answers to every question, before you decide.
Your current mortgage is replaced with a new one, based on what your home is worth today. The new mortgage pays off your high-rate balances, so many payments become one. If there’s money left over, it’s paid to you at closing.
Often, yes. One mortgage payment in place of several bills is often less each month than the total you pay today. We lay out your numbers side by side before you decide.
Banks usually stop at 80% of your home’s value, counting every mortgage on it. Credit unions and 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.
Often, yes. With enough equity in your home, your credit history won’t rule you out on its own. Tell us where things stand and we’ll find the lenders that fit.
No. If your own bank is the best fit, you can stay with it. We show you the options across banks, credit unions and private lenders, so you choose with the full picture.
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.
