(905) 234-3323

You missed a few payments. You can still keep your home.

Falling behind on your mortgage can trigger a power of sale, the legal process your lender uses to take back the home. A private mortgage clears the missed payments and arrears, brings your mortgage current and stops the process. Approved on your home equity, not income docs. We shop 40+ private lenders to fund fast. Most files approved in 24 hours, funded in 5–7 days.
  • Clears your missed payments and stops the power of sale.
  • Approved on home equity, not income. Up to 80% LTV.
  • Works with arrears, bad credit or a consumer proposal.
  • Most files approved within 24 hours. Funded in 5–7 days.

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4.9

★

202
+ Google reviews

2,400+

Ontario homeowners helped

24 hour

Approval time

90%+

Approval Rate

Read this part carefully.

One missed payment can snowball into a power of sale.
It does not have to go that far.

It usually starts small. A missed payment or two after an illness, a job loss, a slow season or a separation. Late fees and interest stack up, the arrears grow and eventually the lender issues a Notice of Sale and begins a power of sale to recover what it is owed. Here is what most people do not hear: it is a process with stages, and at any point before the sale you can still bring the mortgage current. A bank refinance rarely closes fast enough. A private lender can. It clears the missed payments, stops the process and keeps you in your home. If your equity covers the arrears and the new mortgage, the file works.
When private financing stops a power of sale
  • • Missed payments piled up and a Notice of Sale arrived.
  • • A second mortgage slipped into arrears.
  • • CRA arrears pushed the lender to act.
  • • A business cash-flow gap put the mortgage behind.
  • • A marriage breakdown disrupted the payments.
  • • Illness or job loss interrupted income for a few months.

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Why a bank refinance won't close in time
  • ✗ A full refinance runs 4–6 weeks. The sale timeline is shorter.
  • ✗ Arrears on file trigger an automatic decline at most banks.
  • ✗ A Notice of Sale on title freezes a bank application.
  • ✗ Self-employed or non-standard income fails the bank's checklist.
  • ✗ One recent missed payment is enough for the bank to say no.
  • ✗ The appraisal and approval queue alone can outlast your window.

Banks underwrite paperwork. Private lenders underwrite the equity in your home.

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The Math (Yours, Live)

See how refinancing or consolidating
could change your payment.

See how much you could save by consolidating high-interest debt into one lower monthly payment.

From High-Interest Debt To A Clearer Financial Path

From application to
funded in three steps.

Most files are approved within 24 hours and funded in 5–7 business days. Files with a firm sale date are prioritised. No income docs required.
Tell us about your goal
Consolidate debt, refinance, renew, take out equity. We start with the change you want, not a stack of paperwork. Same-day call back.
We bring the options to you
Banks, credit unions, B-lenders, sub-prime, alt and private MICs. One licensed Ontario advisor compares 70+ lenders on your behalf.
Pick the path that fits
One mortgage payment, one due date, the breathing room you came for. Approvals typically within 24 hours.

Apples To Apples

Why a private mortgage stops the sale fastest.

Same homeowner ($700K home, $480K owing including arrears, a Notice of Sale on title) weighing each option.
Feature
Lighthouse Power of Sale rescue
Bank refinance
Mortgage payment deferral
Sell under pressure
Funded in days, not weeks
No income documents required
Approved on home equity, not income
Stops the lender's legal process
Keeps you in your home
No public legal record
*Illustrative. Real terms vary by file. All disclosures provided in writing before signing per FSRA rules.

What you actually get

What a Lighthouse power of sale rescue
comes with.

Approved in as little as 24 hours

Most power of sale files are approved within 24 hours. Files with a firm sale date move to the front of the queue.

Approved on equity, not income

Arrears, bruised credit, a consumer proposal, even a past bankruptcy: none of it disqualifies you here. No minimum credit score.

Funds go straight to your lender

At closing the funds clear your arrears with your existing lender and bring the mortgage current. The sale stops.

Stops the lender's legal clock

Once the arrears are cleared, the power of sale process ends. You are back to a current mortgage, on your own title.

You keep your home

The whole point is to keep you in the house. We structure a payment you can carry and a clear exit, so the sale never happens.

FSRA-licensed broker

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

Real Ontario home owners. Real outcomes.

M
Milica D.
Toronto · 7 reviews
a month ago
Joseph Nahomov provided an excellent mortgage experience from start to finish. He was professional, knowledgeable, and always quick to respond. He clearly explained my options and worked hard to secure a great rate that fit my needs. The whole process felt smooth and stress-free thanks to his support. Highly recommend!
L
Vince S.
Mississauga · 5 reviews
a month ago
Daniel took good care of me through the purchase of my new home. He was always available to me and contact me when needed. You need information to make an informed decision. With that, I would definitely recommend Daniel.
B
Brandon G.
Orangville · 1 review
3 weeks ago
5 stars all around for Lighthouse Lending! Daniel was professional, helpful, and made the entire process smooth and stress-free. Highly recommend to anyone looking for great service and honest support!
A
Anastazja
Oshawa · 2 reviews
a month ago
Kristen is incredibly professional and knowledgeable. She goes above and beyond to ensure her clients receive the best possible service.
T
Taylor C.
Barrie· 5 reviews
6 days ago
As a first-time home buyer, I had a great experience working with Daniel Fisher. He was highly responsive, knowledgeable, and always took the time to address my questions thoroughly.
D
Roupen Y.
Markahm · 3 reviews
2 months ago
I had a really great experience working with them. Professional and really good at working with you to explore options and guide you step-by-step. Kristin was great to work with.

Three commitments we make
on every file.

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 have fallen behind, or a Notice of Sale has arrived.
  • A second mortgage or CRA arrears pushed your lender to act.
  • A bank cannot move fast enough, or has already declined you.
  • Illness, job loss, a business gap or a separation put you behind.
  • You need the arrears cleared in days, not weeks.

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Why timing matters

A power of sale runs on a set sequence. Your lender serves a Notice of Sale, a redemption period runs, and only then can the property be sold. Each stage that passes narrows your options and adds cost.

Acting early in that window is the difference between a calm private mortgage and a forced sale. The sooner we see your file, the more room there is to fix it.

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Lock In Today's Number
(905) 234-3323

Common Questions

Honest answers, no fine print.

No items found.

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
Lighthouse Lending is a FSRA-licensed Ontario mortgage
brokerage (Lic. #13301) helping homeowners access home
equity through 2nd mortgages, HELOCs, and refinances when banks say no.
info@lighthouselending.ca
1-888-712-8571
(905) 234-3323
Privacy Policy
© 2026 Lighthouse Lending · FSRA Lic. #13301
Rates and approval subject to qualification, lender criteria, andproperty appraisal. All disclosures provided in writing prior tosigning per Ontario MBLAA / FSRA rules. Federal CriminalCode caps interest at 35% APR.