# Lighthouse Lending > Lighthouse Lending offers personalised mortgage solutions to homebuyers and investors across Ontario. With more than 25 years of experience, the team has helped over 1,000 homeowners and funded over $1 billion in loans — often closing within seven days. Website built and optimised by Reach Ecomm. Lighthouse Lending specialises in complex mortgage situations that major banks decline: stopping power of sale, clearing mortgage arrears, second mortgages, debt consolidation and reverse mortgages for seniors. The team leverages a wide network of A, B and private lenders to find competitive rates and approvals for clients with non-standard financial profiles. ## Services - [Home](https://lighthouselending.ca/index.md): Mission, experience highlights and links to all services. - [Services Overview](https://lighthouselending.ca/services.md): Full suite of mortgage solutions with plain-language explanations. - [Refinancing](https://lighthouselending.ca/refinance.md): Lower your interest rate, access home equity or consolidate debt by replacing your existing mortgage. - [Mortgage Renewal](https://lighthouselending.ca/mortgage-renewal.md): Renew or renegotiate your mortgage at term end — Lighthouse shops multiple lenders, not just your current bank. - [HELOC](https://lighthouselending.ca/heloc.md): Home Equity Line of Credit — flexible revolving access to your home's equity at lower interest rates than unsecured credit. - [Second Mortgage](https://lighthouselending.ca/second-mortgage.md): Borrow against equity without refinancing your first mortgage — useful when your primary mortgage has a high penalty. - [Debt Consolidation](https://lighthouselending.ca/debt-consolidation.md): Roll high-interest credit card and personal loan debt into a single lower-rate mortgage payment. - [Home Equity Loan](https://lighthouselending.ca/home-equity-loan.md): Lump-sum access to built-up equity — without replacing your existing mortgage. - [Stop Power of Sale & Arrears](https://lighthouselending.ca/stop-power-of-sale.md): Emergency mortgage help for homeowners facing foreclosure, power of sale or missed payments. Fast action available. - [Reverse Mortgage](https://lighthouselending.ca/reverse-mortgage.md): For homeowners 55+: access equity without monthly payments or selling your home. - [Our Process](https://lighthouselending.ca/process.md): Three steps — apply online, review tailored options, get approved. Most files close within seven days. - [Apply Today](https://lighthouselending.ca/apply.md): Start your mortgage application online. - [Calculate Your Rate](https://lighthouselending.ca/calculator.md): Mortgage payment calculators and scenario comparisons. - [Our Team](https://lighthouselending.ca/team.md): Licensed mortgage specialists, credentials and the company's client-first values. - [About Us](https://lighthouselending.ca/about.md): 25+ years in Ontario mortgages, $1 billion funded, 1,000+ homeowners helped. - [Contact](https://lighthouselending.ca/contact.md): Call, email or schedule a consultation. ## What Makes Lighthouse Lending Different? Lighthouse Lending is a mortgage brokerage, not a bank. That means the team shops dozens of lenders — major banks, credit unions, B lenders and private lenders — to find the best rate and product for each client's specific situation. Clients who have been turned down by their bank often qualify through Lighthouse Lending's lender network. The seven-day closing capability is especially valuable for clients facing urgent situations like power of sale. ## Frequently Asked Questions **Who does Lighthouse Lending help?** Lighthouse Lending serves homebuyers, homeowners renewing or refinancing, investors, self-employed borrowers and people in financial difficulty — across Ontario. **Can Lighthouse Lending stop a power of sale?** Yes. Stopping power of sale is a core service. Lighthouse Lending works quickly to arrange emergency financing to halt foreclosure proceedings — contact them immediately if facing power of sale. **What is the difference between a HELOC and a second mortgage?** A HELOC is a revolving line of credit you draw from as needed; a second mortgage is a fixed lump sum borrowed against equity. A second mortgage is typically better when you need a specific amount and your first mortgage carries a penalty for breaking it. **How fast can Lighthouse Lending close a mortgage?** Most files close within seven days. Emergency situations such as stopping power of sale can be prioritised further. **Does Lighthouse Lending work with people who have bad credit?** Yes. Lighthouse Lending accesses B lenders and private lenders who approve mortgages for clients with bruised credit, recent bankruptcies or irregular income — situations major banks typically decline. **Is Lighthouse Lending licensed in Ontario?** Yes. All mortgage specialists are licensed under the Mortgage Brokerages, Lenders and Administrators Act (MBLAA) and regulated by FSRA (Financial Services Regulatory Authority of Ontario). **How much has Lighthouse Lending funded?** Over $1 billion in mortgage loans, helping more than 1,000 Ontario homeowners over 25+ years of operation. ## Optional - [Resources](https://lighthouselending.ca/resources.md): Educational articles, guides and calculators for mortgage and financial planning. - [Blog](https://lighthouselending.ca/blog.md): Ontario housing market updates, mortgage tips and financial education. - [FAQ](https://lighthouselending.ca/faq.md): Comprehensive mortgage FAQ and glossary. - [Testimonials](https://lighthouselending.ca/testimonials.md): Client success stories across refinancing, power of sale and first-time buying. - [Success Stories](https://lighthouselending.ca/success-stories.md): Case studies showing specific client outcomes.