Home Equity Loans — Banks Said No? We Say Yes

Unlock your home equity with Ontario's trusted lender. Credit issues? You're not out of options. A home equity loan can be the fresh start you need.

No income or credit minimum required
Access your home equity fast
Best equity loan rates in Ontario
24-hour approval available
$50,000 for only $291/month

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4.9/5 from 179+ reviews on Google

4.9/5 Google Rating

1000+ Ontario Homeowners Helped

Licensed Mortgage Brokerage

Approvals in 24 Hours

How It Works: 3 Simple Steps

From application to funds in hand, we make the process quick and stress-free.

Tell Us About Your Home

Fill out our quick form with your property
details. Takes just 60 seconds — no credit
check needed.

Get Approved

We match you with the best lender for your situation and handle the paperwork. Approvals in as fast as 24 hours.

Access Your Funds

You can start saving and fund the goals we helped you work towards.can start saving and fund the goals we helped you work towards.

Why Choose Lighthouse Lending for Your Home Equity Loan?

Home equity solutions for all credit types. Get a free pre-approval and access your equity.

Access Your Home Equity

Your home equity is your most valuable asset. Borrow from the equity in your home for any goal - renovations, investments, debt consolidation, or emergencies. No need to sell your property.

Best Equity Loan Rates

We shop the market to secure the best equity loan rates available. $50,000 for only $291/month. Lower your costs with competitive rates from our network of equity lenders in Ontario.

Bad Credit? Banks Said No?

Credit issues? You're not out of options. A home equity loan can be the fresh start you need. We work with private lenders and alternative lenders who focus on your equity, not your credit score.

No Income or Credit Minimum

Self-employed? No proof of income? No problem. We specialize in equity loans for homeowners that banks turn away. Your home equity is what matters most to our lender network.

Home Equity Cash Fast

Don't wait weeks for an answer. Our streamlined process and lender relationships mean you can get approved in as little as 24 hours. Quick approvals for equity loans when you need funds fast.

Home Equity Loans & HELOC's

Not sure which is right? We compare home equity loans, lines of credit, and secured lending options side by side. Use your equity for any goal with expert guidance every step of the way.

Use Your Equity For Any Goal

See how accessing your home equity can save you money and simplify your finances.

$50,000 For Only $291/Month

Replace high-interest debt with one low equity loan payment

Current Debt Payments

$1,850/mo

credit cards, personal loans & lines of credit

Home Equity Loan Payment

$291/mo

one simple monthly payment

That's $1,559/month saved Or $18,708 per year back in your pocket.

*Example based on consolidating $50,000 in high-interest debt into a home equity loan. Actual rates and payments depend on your situation, equity, and lender. Rates subject to change.

What Ontario Homeowners Are Saying

Don't just take our word for it - hear from homeowners who've worked with our team.

From 4.9/5 from 192+ reviews on Google

Frequently Asked Questions

Everything you need to know about getting a Home Equity Loans in Ontario.

What is a home equity loan and how does it work?

A home equity loan lets you borrow against the equity you've built in your home. Equity is the difference between your home's current market value and what you still owe on your mortgage. You receive a lump sum and repay it over a set term with fixed monthly payments. Home equity loans are commonly used for debt consolidation, renovations, investments, or accessing cash for any goal.

Can I get a home equity loan with bad credit?

Yes. Banks said no? We say yes. While traditional banks require strong credit scores, we work with private lenders and alternative lenders across Ontario who focus on your home equity rather than your credit history. Bad credit, consumer proposals, collections, and even recent bankruptcies - our lender network has equity loan options for you.

How much can I borrow with a home equity loan?

The amount depends on your home's value minus what you owe. Most lenders will lend up to 80% of your home's appraised value, while some private lenders may go up to 85-90%. For example, if your home is worth $600,000 and you owe $350,000, you may be able to access up to $130,000 through a home equity loan. We'll help you determine exactly how much equity you can access.

Secure Your Equity Loan Today

Unlock your home equity with Ontario's trusted lender. Quick approvals, no income or credit minimum.

Get My Free Quote

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