Ontario homeowners come to us to refinance, renew and tap into the equity of their home. Approved on home equity, not just your credit or income.
Tell us what’s going on. We’ll show you your options and take care of the rest.
Matthew
Will
Marko“Will provided excellent information and helped me through each step of the process.”
Laura, Google reviewSame-day call back. No judgement. No pressure.
See what I qualify for
We started Lighthouse so Ontario homeowners would have someone in their corner who listens first. More than 2,400 homeowners later, that’s still how every conversation starts.
Whatever brought you here, you’ll talk with someone who has seen it before and won’t judge it. We’ll tell you honestly what’s possible, what we’d do in your place and stay with you until it’s done.
Tell us how we can help and we’ll match you with the right product.
See what else is out there before you sign again.
Start hereRoll high-rate balances into one payment and breathe easier each month.
Start hereA “no” from one bank isn’t the end of the conversation.
Start hereYour income counts, even when a bank form can’t see it.
Start hereA renovation, a fresh start, a family need. The equity in your home can help.
Start hereThings in life happen. It doesn’t mean you lose your home. We’ll find an answer.
Start hereStay in the home you love, with more room in your budget each month.
Start hereTell us in your own words. If there’s a way, we’ll find it.
Start hereRenewals, refinances, home equity, second mortgages, reverse mortgages and more. One team takes care of it from the first call to closing.
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.
Clear answers up front, so you know what to expect before you call.
One conversation with us replaces going bank to bank. We bring the options to you and explain each one in plain words.
We lay out what each option means for your month, side by side, and tell you which one we’d pick and why.
Ask every question you have. Nothing moves ahead until you say so, and we always ask before any step that involves a credit check.
Questions first, paperwork later. Nothing gets signed until you’re ready.
Three steps, and you only have to do the first one.
A few quick questions online, or a call if you’d rather talk it through.
No obligationWe look across the market, then walk you through your options and why they fit.
Options side by sideOnce you say yes, we handle the lender and the paperwork through to closing.
Nothing to chaseHow you’re treated matters as much as the rate.
We start with what you’re trying to do, not with a product to sell.
Self-employed, retired, rebuilding credit or behind on payments: we’ve helped people in your spot.
We stay with you from the first call to closing, so you’re never left guessing what’s next.
We keep an eye on your renewal so you don’t just sign the first offer your lender mails you.
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 is very patient and professional. Him and his team truly care for the people they work for - I have referred friends who never felt pressure to commit and Matthew is generous with his time and knowledge.”
“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.”
“I had worked with Marko, he was very good at navigating us through the process and was able to get us the loan we needed, being self employed borrowing money can be tricky Marko was great at helping out with what was needed for the process.”
Quick answers. For the details on any one product, our guides go deeper.
You don’t need to know the product names. Working that out is our job. A line of credit suits borrowing in stages, like a renovation, and you only pay interest on what you use. A home equity loan gives you one set amount with a fixed payment. A second mortgage works when breaking your first doesn’t make sense, or when your bank has said no. Tell us what you’re trying to do and we’ll match you with the right one.
More often than people think. A lower rate, a better credit score, or high-interest balances you’d like to roll into one payment are all good reasons. Timing matters: breaking a mortgage early comes with a penalty, so we check first that the savings are worth it. Refinancing at renewal has no penalty. If the penalty doesn’t add up, we’ll look at a second mortgage, which gets you the cash without touching your existing mortgage.
Less than you might expect. Usually some detail on your income, whatever it looks like right now, a look at your credit and details about your property. Pay stubs, tax returns and bank statements follow where needed. If you’re self-employed, bank statements or your personal tax returns can often do it. For equity-based options, the list is often shorter. Missing something? Start anyway. We’ll tell you exactly what’s needed and help you get it.
Your lender sends a renewal offer a few months before your term ends. You don’t have to take it: switching lenders at renewal usually has no penalty. We compare the market for you, so you sign the best offer, not just the first one.
Many clients have a conditional approval within 24 hours. Full funding typically follows within a few days to a few weeks, depending on the product and your situation. If you’re working against a deadline, tell us up front and we’ll plan around it.
Talking to us doesn’t affect it. We can go through your situation and give you an initial sense of your options first. We’ll always ask before any step that involves a credit check.
Want to understand a product before we talk? Pick a guide.
Many homeowners sign the renewal offer their bank sends. Why comparing first can save you money.
Read the guideA low credit score doesn’t have to hold you back. How the equity in your home can help you get back on track.
Read the guideAlready own property in Canada? What applies when newcomers refinance or buy again.
Read the guideNo pressure and no obligation. Nothing gets signed until you’re ready.
