Unlock the equity in your home

Ontario homeowners come to us to refinance, renew, and tap the equity they have already built. Approved on your home, not just your credit or income.

★★★★★
Trusted by 1,000+ Ontario homeowners
Trusted lending partners across Canada
TDHome TrustMCANLending partnerLending partnerLending partner

Everything in one place

From renewals to home equity, one team and a full network of lenders working for you.

Access your home equity, based on your home, not just your credit

Our volume gives us access to preferred rates across a full network of lenders. Apply in minutes and get a real answer fast.

Rates from
%
24 hr
Approvals
$500K+
Access

A full network of lenders

Banks, credit unions, and private lenders, matched to your situation.

BanksCredit unionsAlternativePrivate
Keys to a new home

Pay interest only on what you use

A revolving line of credit that flexes with your life.

Meeting with a Lighthouse advisor

Meet the people who guide you home

Serving all of Ontario

Local offices in Barrie and Toronto, helping homeowners across the province for twenty-five years.

Put your home equity to work

One home, many options. Whatever you need, there is a way to use the equity you have built.

Homeowners reviewing options with an advisor

Home Equity Line of Credit

Flexible, ongoing access to your equity. Borrow as you need it and pay interest only on what you use.

Apply today
Keys to a home

Second Mortgage

Unlock built-up equity without changing your primary mortgage.

Apply today
Bright living room

Home Equity Loan

Turn your equity into a one-time lump sum at a competitive rate.

Apply today
Home office

Refinance

Lower your payments or roll high-rate balances into one.

Apply today
Ontario home at dusk

Mortgage Renewal

We shop the market so you never auto-renew into the wrong rate.

Apply today
Retired couple at home

Reverse Mortgage

Access tax-free cash and stay in the home you love.

Apply today
Protecting your home

Stop Power of Sale

Fast refinancing and second mortgages that help you keep your home.

Apply today
Home interior

Consolidate High-Rate Balances

Roll high-rate balances into one lower monthly payment.

Apply today

Who we help

Real homeowners in real situations. See how much of your home's equity you could put to work.

How much can you access?
Move the sliders for a quick estimate.
Estimated equity you could access
$240,000
Get my real number
Estimate only, based on up to 80% of your home value. Actual limits vary by lender, and some lenders go higher.

Bank said no? We say yes

Banks approve on income and credit. We approve on the equity in your home.

The bank's checklist

  • Perfect credit score required
  • Two years of steady T4 income
  • Self-employed? Expect a decline
  • Weeks of waiting for an answer
  • One rigid product, take it or leave it

The Lighthouse way

  • Approved on your home equity, not just credit
  • Self-employed and non-traditional income welcome
  • Conditional approvals in as little as 24 hours
  • A full network of banks, credit unions, and private lenders
  • Free service, the lender pays our fee

Trusted by Ontario homeowners

Twenty-five years of helping families move forward with clarity and confidence.

+
Homeowners helped

Real people, real results

Over a thousand Ontario families guided home.

Ontario family home at dusk
$B+
Total loans funded

Serving all of Ontario

From Barrie to Toronto and beyond.

hr
Average approval

Fast when it matters

Conditional approvals, often within a day.

Find your rate

Compare our current rates by product. Every rate is set by the equity in your home, not just your credit.

Why choose Lighthouse Lending

The difference is in how we treat you, and how quickly we move.

Clear and honest

No surprises and no hidden fees. Straightforward advice you can trust.

Fast approvals

We streamline the process, with rates that work in your favour.

Tailored to you

Every mortgage is unique, so is our approach.

A full network

Banks, credit unions, and private lenders working for your goals.

Self-employed homeowner working from home

Take control and start today

Helpful online access makes it easy to reach your goals in three simple steps.

1

Apply Online

Enter a few simple details to see how much you could qualify for, without affecting your credit score.

2

Secure Your Pre-Approval

A Lighthouse Lending specialist gets in touch to walk through your application with you.

3

Access Your Funds

We deposit your money directly into your account in as little as 24 hours.

Frequently asked questions

Everything you need to know about working with Lighthouse Lending.

Real success, real clients

See how Lighthouse Lending has helped homeowners move forward.

Guides and resources

Straight answers on equity, credit, and renewals, written for Ontario homeowners.

Take the first step home

Apply in minutes and get a real answer fast. No pressure, and no impact on your credit score to see what you qualify for.