Ontario's 2nd Mortgage Experts

Home equity loans from $291/month, Approved in 24 hours.

Home equity loans

Turn home equity into a lump sum with one fixed monthly payment. Approved on the equity in your home, not paperwork or credit score. We shop 40+ lenders to find the lowest rate you qualify for. $50,000 from $291/month. Approved in as little as 24 hours.

Approved on home equity. Up to 80% LTV.
Self-employed, retired, or bruised credit: all eligible
Lump sum at closing. Fixed monthly payment.
Approvals typically within 24 hours. Funded in 1–7 days.

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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

Read this part carefully.

You spent years building equity. Here's how to use it.
without selling.

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A home equity loan is one lump sum at one fixed monthly payment, secured against the equity you already own. It's the cheapest way to access serious cash without refinancing your first mortgage or selling the house. Lower rate than a credit card. More flexibility than a bank refinance. Faster than waiting on a HELOC application that may or may not get approved. If your equity covers the loan, the file works.

When a home equity loan makes sense

Debt consolidation: roll high-interest cards and personal loans into one lower payment.
Home renovations: kitchen, bathroom, addition, basement, roof.
Education costs: tuition, RESP top-up, private school, professional training.
Business cash flow: inventory, working capital, or buying out a partner.
Major life expenses: wedding, second property, investment opportunity.
Emergency funds: medical, family support, unexpected bills.

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Common bank-side blockers

✗ Computer says no, even after years of payments.
✗ "Income inconsistent" because you're self-employed.
✗ Credit dinged from one missed payment two yearsago.
✗ Already in a consumer proposal? Door closed.
✗ Retired with home equity but no T4? Door closed.
Banks underwrite paperwork. Equity lenders underwrite your home equity.

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Renewal Jump. Every Month Counts.

From application to
funded in three steps.

Most files are approved within 24 hours and funded in 5–7 business days. Urgent files (debt consolidation deadlines, contractor draws) have funded in 24 hours. No income docs required.

Tell us about your home (60sec)

Licensed broker matches you to the lowest rate you actually qualify for. Approvaltypically within 24 hours.

We shop 40+ equity lenders

Licensed broker matches you to the lowest rate you actually qualify for. Approvaltypically within 24 hours.

Lump sum hits your account

We coordinate the lawyer and appraisal. Urgent files funded in as little as 24 hours. Standard files 5–7 days.

Apples To Apples

Why a home equity loan beats the alternatives.

Same homeowner ($800K home, $400K first mortgage, $50K of debt to consolidate, self-employed) running each option.

Feature

Lighthouse Home Equity Loan

Bank HELOC

Bank refinance

Personal loan

Approves with bruised credit / no income docs

Lump sum at closing, one fixed payment

Keeps your existing first mortgage in place

Qualifies on home equity, not income

Funded in under a week

Rate typically lower than credit cards

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.

What you actually get

One fixed monthly payment

$50,000 from $291/month. No variable-rate surprises, no minimum payments that move every quarter. One number, one due date.

Lump sum at closing

Funds wire directly to your lawyer's trust account at closing. Spend on whatever you set out to fund. No restrictions on use of proceeds.

Approved on equity, not credit

Bad credit, missed payments, consumer proposal, even discharged bankruptcy: none of it disqualifies you here. No minimum credit score.

Funded in as little as 24 hours

Urgent files (contractor draws, debt-consolidation deadlines) have funded in under 24 hours. Standard files in 5–7 business days.

Use the funds for anything

Renovations, debt consolidation, tuition, business cash flow, second property, family support. No restrictions, no questions. Your equity, your call.

FSRA-licensed broker

Regulated Ontario brokerage (Lic. #13301) with a legal duty to act in your best interest. Federal law caps interest at 35% APR.

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.

Three guarantees, in writing,
before you ever sign anything.

Our 3-Part Promise

Best-Lender Match

We shop 40+ private lenders to find the best fit for your file. Not the fastest commission. The lender whose program actually works for you.

Confidential by Default

Your information stays between you, our brokerage, and the lender you select. We never sell, share, or rent your data. Ever.

One Broker, Start to Finish

The same licensed Ontario broker handles your file from first call to funded. No handoffs, no call-center transfers, no juggling.

Apples To Apples

If three or more sound like you, call us today.

You own a home in Ontario with at least 15–20% equity.
You're carrying high-interest debt (credit cards, lines of credit, personal loans) you want to consolidate.
You're planning a renovation, tuition payment, or major purchase and don't want to drain savings.
You're self-employed, retired, or the bank declined you on income docs or credit.
You want to keep your first mortgage rate and not trigger a refinance.
You need funds in days, not weeks.

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Why timing matters

Equity-lender LTV caps shift with the housing market. Lenders that approved 80% LTV last year are quoting 75% on some property types today.

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Your file is priced against today's appraisal value, today's lender appetite, and today's LTV caps. Locking in a quote now costs nothing and tells you exactly what's available.

Lock In Today's Number

(905) 234-3323

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

Home equity loans from $291/month, Approved in 24 hours.

Home equity loans

4.9

★

1,000+

~24 hr