Whatever’s going on in Barrie, we’ve seen it before
Tell us what’s going on. We’ll show you your options 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.
Trusted by 2,400+ Ontario homeowners
You’re in good hands with Will
Will works with homeowners across Barrie, from Allandale to Queen’s Park. Whatever’s going on, tell Will in your own words.
We won’t judge, and there’s no pressure. We’ll tell you plainly what’s possible and lay out your options.
Whatever brought you here, we can help
Pick the one that fits, and we’ll take care of finding the right solution.
My renewal is coming up
See what else is out there before you sign again.
Start hereI want one lower payment
Roll high-rate balances into one payment and breathe easier each month.
Start hereThe bank said no
A “no” from one bank isn’t the end of the conversation.
Start hereI’m self-employed
Your income counts, even when a bank form can’t see it.
Start hereI need money for something big
A renovation, a fresh start, a family need. The equity in your home can help.
Start hereI’m behind on payments
Things in life happen. It doesn’t mean you lose your home. We’ll find an answer.
Start hereI’m retired or close to it
Stay in the home you love, with more room in your budget each month.
Start hereSomething else
Tell us in your own words. If there’s a way, we’ll find it.
Start hereHow it works
Three steps, and you only have to do the first one.
Tell us what’s going on
A few quick questions online, or a call if you’d rather talk it through.
No pressureWe find the right fit
We look across banks, credit unions and private lenders, then walk you through what fits.
No judgementWe take care of the rest
Once you say yes, we handle the lender and the paperwork through to closing.
You decide when to moveHow much could you access in Barrie?
Whether your home is in Allandale, Queen’s Park or anywhere else in Barrie, the equity in it can open up options.
What homes sold for
The average home in Barrie sold for about $660,000. Banks usually stop at 80% of your home’s value, counting every mortgage on it.
| Neighbourhood | Homes sold | Average price | 80% of value |
|---|---|---|---|
| Holly | 38 | $689,184 | $551,000 |
| Ardagh | 32 | $657,663 | $526,000 |
| Painswick South | 29 | $652,807 | $522,000 |
| Rural Barrie Southeast | 23 | $760,273 | $608,000 |
| Painswick North | 22 | $620,108 | $496,000 |
| Innis-Shore | 21 | $793,881 | $635,000 |
| City Centre | 14 | $511,195 | $409,000 |
| Letitia Heights | 13 | $584,192 | $467,000 |
Source: Toronto Regional Real Estate Board, Barrie community report, Q1 2026, all home types (350 sales). The table shows neighbourhoods with 10 or more sales.
Your rough number
This is an estimate, based on 80% of your home’s value, where banks usually stop. Private lenders can go further, case by case. Your number depends on an appraisal of your home.
Why homeowners choose us
How you’re treated matters.
You’re heard first
We start with what you’re trying to do, not with a product to sell.
Every situation welcome
Self-employed, retired, rebuilding credit or behind on payments: we’ve helped people in your spot.
With you to the end
We stay with you until your mortgage closes, so you’re never left guessing what’s next.
Close to home
Our office is in Barrie, and we work with homeowners across the city and nearby.
What homeowners say
From our Google reviews, in their own words.
“I highly recommend working with Lighthouse Lending. I had a great experience with William. He really explained the process and my options. The whole process was very simple and efficient.”
“We had a complicated mortgage situation and, unfortunately, our previous broker wasn’t able to help us. Daniel stepped in, took the time to understand our situation, and worked incredibly hard to find a solution.”
“He was knowledgeable and was able to give me multiple options that would give me the most benefit while trying to remortgage my home. He made himself available when I had questions and I had a lot.”
“Joseph Nahomov provided an excellent mortgage experience from start to finish. He was professional, knowledgeable, and always quick to respond. He clearly explained my options and worked hard to secure a great rate that fit my needs.”
“Kristen is incredibly professional and knowledgeable. She goes above and beyond to ensure her clients receive the best possible service.”
“I had a really great experience working with them. Professional and really good at working with you to explore options and guide you step-by-step. Kristin was great to work with.”
Answers to every question, before you decide
Don’t see yours? Ask Will when we talk.
In early 2026, Barrie homes sold for an average of about $660,000 (Toronto Regional Real Estate Board, Barrie community report, Q1 2026). Banks usually stop at 80% of your home’s value, counting every mortgage on it. Private lenders can go further, case by case. Your own number depends on what you owe and an appraisal of your home.
Sometimes. Lenders and insurers can ask about details in century homes, such as knob-and-tube wiring or an old oil tank. Your lender needs proof of home insurance, so it helps to know where your insurer stands first. We know which lenders are comfortable with older Barrie homes, and we’ll start with them.
It depends on what you need. If you’re happy with your mortgage, renewing may be all it takes. If you want a lower payment or want to roll high-rate balances into one, we’ll look at a new mortgage. If you’d rather keep the mortgage you have, a second mortgage lets you use the equity in your home. We’ll lay it all out, and you decide when to move.
Yes. We can roll high-rate card balances into one payment. The balance is then tied to your home, and paying it back over a longer time can mean more interest overall. We’ll show you the full picture before you decide.
Talking to us doesn’t affect it. We ask before any step that involves a credit check.
Is there any reason not to see what’s possible?
It costs nothing to get good advice, and you decide when to move.