
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.
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✔️ Direct capital to homeowners to pay off debt or emergencies
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✔️ Second mortgages & home equity loans up to 80% LTV
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✔️ 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?
Type of Mortgages & Home Loans
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.