Ontario's 2nd Mortgage Experts

Access up to 80% of your equity. From 4.95%, prime + 0.50%.

A HELOC lets you draw against your home equity when you need it and pay interest only on what you use. We shop 40+ Ontario lenders so you don't have to. From $25K to $500K+, approval typically within 24 hours.

From 4.95%, prime + 0.50% on qualifying files
Up to 80% of your home's value, $25K to $500K+
Qualifies on home equity. No refinancing, no income minimum. Bruised credit OK.
24-hour approval. Funds typically in 7-10 business days.
On $50K: ~$206/mo HELOC interest vs ~$875/mo in card interest at 21%.

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340 Ontario homeowners got quotes this week

4.9

202

+ reviews

· FSRA Lic. 13301

★ "3 banks said no. Lighthouse approved me in a day." Trevor, Hamilton

★ "Saved us $1,140/month. Real money." Linda, Mississauga

★ "From CRA arrears to clear in one phone call." Marcus, Brampton

Apples To Apples

Feature

Lighthouse 2nd mortgage

Stay on credit cards

Bank refinance

Consumer proposal

Approval available if banks declined

Lowers your monthly payment

Protects (and rebuilds) your credit

Funded within 7–10 days

Qualifies on home equity, not income

No public legal record

*Illustrative. Real terms vary by file. All disclosures provided in writing before signing per FSRA rules.

4.9/5 · 192+ reviews

Real Ontario home owners. Real outcomes.

Trevor M.

Hamilton · 3 reviews

a month ago

Retired, fixed pension, big property tax hike.The bank wouldn't even take the application.Lighthouse approved me on equity. Felthuman.

Linda K.

Mississauga · 5 reviews

a month ago

We were one missed payment from a powerof sale. Lighthouse moved fast and fundedin 9 days. We saved $1,140/month.

Marcus D.

Brampton · 1 review

3 weeks ago

Bad credit and CRA arrears. Every otherbroker ghosted me. Lighthouse just keptworking. Funded. Cleared. Honest people.

Jennifer R.

Oshawa · 2 reviews

a month ago

Retired, fixed pension, big property tax hike.The bank wouldn't even take the application.Lighthouse approved me on equity. Felthuman.

Sarah B.

Hamilton · 3 reviews

6 days ago

Was embarrassed to even pick up thephone. Two minutes in, I felt zero judgement.They ran the numbers, showed me the math,didn't push.

David S.

Hamilton · 3 reviews

2 months ago

Was quoted 5.89% by the bank on renewal.Couldn't afford it. Lighthouse split the loan.Same monthly payment, fixed. Saved thehouse.

One last thing

Worst case: you find out exactly what's possible. Best case: you save Thousands/month.

A 60-second form stands between you and a real Ontario broker on the phone. Noobligation, no pressure. The cost of not looking is bigger than the cost of looking.

Lock In Today's Number

(905) 234-3323

4.9/5 · 192+ reviews

· FSRA Lic. 13301

Access up to 80% of your equity. From 4.95%, prime + 0.50%.

4.9

★

1,000+

~24 hr

$1.2K

Read this part carefully.

Bank HELOCs got harder to qualify for. Alternative lenders didn't.

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The Math (Yours, Live)

Renewal Jump. Every Month Counts.

Apples To Apples

What you actually get

Real Ontario home owners. Real outcomes.

Apples To Apples

Common Questions

Honest answers, no fine print.

One last thing

Worst case: you find out exactly what's possible. Best case: you save Thousands/month.