Best Home Equity Loans & Mortgages in Ontario

Home Equity Loans & Private Mortgage Experts

Speak to one of our mortgage agents today!

We Fund Homeowners in Ontario When the Banks Won’t

Whether you’re behind on payments, carrying high-interest debt, or need funds fast — Lending Circle offers flexible mortgage solutions using the equity in your home.

✔️ Direct capital to homeowners to pay off debt or emergencies
✔️ Second mortgages & home equity loans up to 80% LTV
✔️ Mortgage refinancing tailored for bad credit & non-traditional income

Because Life Happens — And You Still Deserve a Mortgage That Works for You

At Lending Circle, we believe all Canadians deserve access to competitive mortgage solutions — regardless of income changes, job shifts, or credit setbacks. Life can throw curveballs. We’re here to help you bounce back.

As a leading provider of home equity loans, second mortgages, & bad credit mortgage refinancing in Ontario, we specialize in helping homeowners who’ve been declined by the bank.

We are Experts in Alternative Lending

Our deep roots in Canada’s mortgage space give us the edge when it comes to placing hard-to-approve files. Whether you’re a borrower or a broker, we have the capital, connections & experience to make it happen.

Looking to Pay off Debt?

Total Outstanding Debt:

Type of Mortgages & Home Loans

Second Mortgage

Home Equity Loan

Bad Credit Mortgage

Debt Consolidation

Private Mortgage

Mortgage Refinance

Cash-Out Refinance

POS/Mortgage Arrears

Our Process is Simple

Apply Online

Fill the Online Application
Review Loan Options

Lending Circle will present you with multiple approvals. You pick one!
Loan Funded

Sign the Broker & Legal documents to close & Get Your Cash

Why Thousands Of Canadians Trust Lending Circle?

1 Expertise

Our expertise is home equity loans & alternative mortgage products. We have a deep understanding of working with borrowers who are struggling due to bruised credit & low income. We excel at obtaining approvals for borrowers who are typically denied by the banks.

2 Simplicity

Our streamlined process makes it easy to apply & get approved. We use a password protected application platform that allows you to complete the application and upload the documents within the secured portal.

3 Clear communication

There are no hidden fees with us. We outline all costs related to the mortgage upfront & in writing before our clients sign anything. We provide daily updates until your mortgage transaction has closed. We pride ourselves on clear and transparent communication with our clients.

4 Customized solutions

Lending Circle team works with each borrower to create a customized mortgage solution that fits their needs and helps them achieve their financial goals. This includes strategizing for long-term success by helping Canadians qualify for lower-cost mortgage products in the future.

What Our Clients Say

Dave Ahronson

2022-12-09

We had the most incredible experience working with Parm and his team. We had a lot of questions as we were very unfamiliar with the process involved in getting a 2nd mortgage. He guided us through with very few issues and succeeded in ensuring our financial goal came to fruition. I highly recommend them!

Heather Harriman

2022-09-21

Excellant service .Prompt and very professional

Jessica L

2022-09-15

Had an excellent experience with Parm at the Lending Circle. He made a world of difference and an easy transitional process during a difficult time in trying to manage financial hardship, and I will definitely reach out to him again in the near future to renew my mortgage!!! Thanks again 😊

Harmandeep Singh

2022-09-10

It was great dealing with Parm and Lending Circle team. Anyone looking for a 2nd mortgage should definitely speak to them. They were able to help me with a second mortgage based on equity without any income requirements. They have lowered my monthly payment by helping me consolidate credit card debt. I highly recommend them for home equity loans especially if your income is low due to job loss or high amount of debt.

Amanda C

2022-08-21

We were hit with an unexpected financial rough patch during COVID. We weren’t exactly sure what to do, but knew our regular bank wasn’t wanting to help us. One quick email to the Lending Circle resulted in an immediate response with options available to us. We worked with Parm, who quickly set us on the right path and answered all questions immediately. We feel comfortable and confident working with him knowing that we are in capable hands moving forward. I definitely suggest contacting the Lending Circle for any financial requests- they are quick, reliable, thorough, and personable.

Manno Manno

2022-07-07

Hello Everyone, I was in a total bind looking to get a home equity loan against my property here in Alberta. I approached Parm at Lending Circle for some guidance. He gave me options, even after I had some letdowns from a couple of lenders including the banks. Parm continued working tirelessly to find me a lender tailored to my needs. I eventually signed up and the loan was approved and the rest is history. One thing that stood out for me was his willingness to work with me even when I was getting a little frustrated. He was ALWAYS available to chat about updates and would never shy away from questions. Parm and his team at Lending Circle are by far one of the best , if not the best I have ever worked with in a difficult financing situation.

Tracey McKenzie

2022-06-09

This is my second time using them and they were wonderful just like the first time. I would recommend them to anyone . They ae friendly , professional, and will help you in everyway to achieve the goal of getting a loan. Love these guys. I trust them. And I'm a single mother, so if you need help, let them help you. You won't regret it.

Karie Hamilton

2022-06-07

Parm was incredibly efficient and competent. He listened carefully to my needs and requirements and delivered! As I was fed up with a previous lender giving me the run around and changing numbers at whim, Lending Circle was transparent and made it and easy choice to move forward. I appreciate all your work and communication during a stressful time. Thank you!

Victoria Vaitkus

2022-04-22

Parm from Lending Circle was great through the whole mortgage renewal process. Very responsive, insightful and able to answer all my questions. Overall a great customer experience. Thanks.