Ontario's 2nd Mortgage Experts

2nd Mortgage Options, The Banks Often Overlook.

You’re not the problem, lending changed. We help homeowners use their equity to consolidate high-interest debt into one manageable payment.

Approved on your home equity, not your credit score
Bad credit, consumer proposal, self-employed: all OK
All income approved - Flexible approvals for everyone
Approval typically within 24 hours. Funds in 7-10 days.

340 Ontario homeowners got quotes this week

Get Started Today

4.9/5 · 192+ 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 played by the rules.
Then the rules changed.

Bought the house. Paid down the mortgage. Built up equity. Your renewal rate may havejumped 1.5%. Property tax went up. Credit cards crept to 22.99%. The bank quoted butcan't actually help. They may say you're high risk. The truth: you're an Ontariohomeowner the system stopped serving.

The squeeze, by the numbers

4 in 10 Canadian homeowners with mortgages nowborrow just to cover daily expenses.
Toronto mortgage delinquencies are at 13-year highs,up 60% in one year.
The average client walks in with $40,398 in credit-card debt at 19.99-22.99% APR.
Renewing a mortgage at today's rate? That's an extra $1,000+/month on a $400K loan

What actually happens at the bank

✗ 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.

Renewal Jump. Every Month Counts.

From "the bank said no" to cash in the account in 3 simple steps.

If your mortgage renewed this year, or your have high interest debt, you're likely paying $800+ more a month. Every month you wait is real money. We make the rescueeffortless — no paperwork piles, no income statements, no grilling.

Tell us about your home (60sec)

A 3-steps. Home value, what you need, yourcontact. No income docs upfront

We shop 40+ lenders for you

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

Funds hit your account

We coordinate every part of the closing.Funds typically wired in 7-10 business days.

Apples To Apples

Why a 2nd mortgage usually beats every alternative.

No spin. The same homeowner ($75K consumer debt, bruised credit, $700K home with$400K first mortgage) running each option.

Feature

Stay on credit cards

Bank refinance

Consumer proposal

Lighthouse 2nd mortgage

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

Why 1,000+ Ontario homeowners chose Lighthouse over the bank.

Wipe out 19-29% credit-cardinterest

Roll cards, car loans, lines of credit, CRAarrears into one payment. Most clients save $300-$1,200/month.

Approved on equity, not credit

Bad credit, missed payments, consumerproposal: none of it disqualifies you here. Yourhome equity is the qualifier.

Fast when speed matters most

Upcoming payments? CRA arrears? Approval typically within 24 hours, funds usually within 7-10 business days.

No income proof? No problem.

Self-employed, retired, commission-based,contractor. We work with stated-incomelenders the banks pretend don't exist.

FSRA-licensed.

A regulated Ontario brokerage. Yourprotections are real, and your goals are ourgoals

2nd mortgage or HELOC, your call

Fixed-payment 2nd mortgage vs. revolvingHELOC, side-by-side. We recommend the onethat costs less.

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

No income proof? No problem.

Every homeowner’s situation is different,which is why we take the time tounderstand the full picture beforerecommending a solution.

Credit Won't Stop You

Our process will not impact your creditscore, good or bruised. From the big 5banks to equity lenders, your approval isour top priority.

No-Pressure Walk-Away

Don't like the offer? Not a problem. Zero obligation, zero cost. Before signinganything we make sure you are 100%satisfied with your solution.

Apples To Apples

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

You own a home in Ontario with at least 20% equity.
Your bank rejected you, or quoted something you didn't like.
High-interest debt is eating your monthly paycheque.
You're self-employed, retired, or have inconsistent income.
You've had a bruised credit event: missed payment, collection, consumer proposal.
You need cash this month, not in six weeks.

Why moving now matters

Every day that passes represents money lost to interest youshouldn't be paying. A credit score that's declining withoutyou even being aware.

Today, you have leverage: equity built up, lenders stilllending, rates still negotiable. Don't spend months losingwhen you have the correct tool at your disposal.

Lock In Today's Number

(905) 234-3323

Common Questions

Honest answers, no fine print.

Will applying hurt my credit score?

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2nd Mortgage Options, The Banks Often Overlook.

2nd Mortgage Options, The Banks Often Overlook.

4.9★

1,000+

~24 hr