Our rates start as low as 3.35% for qualified borrowers. However, your actual rate depends on factors like credit score, income, property type, and loan-to-value ratio. Because we work with dozens of lenders across Canada, we can shop for the most competitive rate for your specific situation - often beating what a single bank can offer.

Yes. While banks rely heavily on credit scores, Lighthouse Lending works with alternative and private lenders who look at the bigger picture - primarily your home equity and overall financial situation. Bad credit, bruised credit, consumer proposals, and even recent bankruptcies can be worked with. Many of our clients have been turned down elsewhere and still get approved through our lender network.

A debt consolidation mortgage rolls your high-interest debts (credit cards, car loans, personal loans) into your mortgage at a much lower interest rate. This means one simple monthly payment instead of juggling multiple bills. For example, credit card debt at 19.99% could be consolidated into your mortgage at rates as low as 3.35%, saving you hundreds or even thousands per month in interest.

Yes. We specialize in no-income-verification mortgage solutions for self-employed individuals, gig workers, and those with non-traditional income. Our lenders focus on the equity in your property and your overall ability to service the debt, rather than requiring traditional T4 slips or NOAs. These programs are ideal for business owners, contractors, and freelancers.

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Through Lighthouse Lending, many clients receive conditional approval within 24 hours. The full funding process typically takes 2-4 weeks depending on appraisal timelines and document verification. We handle the paperwork and lender coordination to keep things moving as quickly as possible.

Lighthouse Lending is a licensed mortgage brokerage (FSN #13301) based in Ontario. Unlike a bank that can only offer its own products, we work with multiple lenders - including major banks, credit unions, trust companies, and private lenders - to find you the best rate and terms. Our service is free for most clients as the lender pays our fee.