We Help Homeowners Pay off Debt & Rebuild Credit
Drowning in debt and stuck making minimum payments? You’re not alone — and you’re not out of options.
At Lending Circle, we help homeowners across Ontario consolidate high-interest debt using the equity in their homes. Whether it’s credit cards, personal loans, collections, or overdue bills, we offer smart, fast, and flexible mortgage solutions — even if you’ve been declined by your bank.
Real Solutions for Real Homeowners
If your debt feels like it’s growing faster than your income…
If you’re stuck in a cycle of high-interest payments…
If your current lender said “no” because of your debt-to-income ratio…
It’s time to take control.
We help homeowners tap into their home equity to:
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Consolidate credit card debt
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Pay off payday loans or high-interest loans
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Catch up on bills
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Break free from minimum payments
Home Equity Solutions to Consolidate Debt
Why Choose Lending Circle?
✅ No income or credit score required — we lend based on equity.
✅ Access up to 85% of your home’s value to wipe out high-interest debt.
✅ Fast approvals from private & B lenders across Ontario.
✅ Rebuild your credit while reducing monthly payments.
✅ Zero bank hassle — we specialize in helping those turned away elsewhere.
Settle Your Debt or Pay it?
Consumer Proposal is a method of proposing to settle your debt for a percentage of the amount you owe. Once you file a consumer proposal it reports on your Credit report for 6 years. It creates a major challenge for borrowers as Banks or A lenders will not approve a mortgage for any individual until 2-3 years AFTER proposal has been Paid Out. Even getting a credit card becomes a challenge for most borrowers.
Home Equity Loan helps you rebuild your credit by paying off the high interest Debt & Personal items. Your Credit Score starts to climb up once debt is gone. Improving your Credit helps you get better financing options in the future. Homeowners can easily refinance their mortgages & prospective buyers can get pre-qualified for a new home mortgage with lowest rates possible.
Why Use Home Equity?
Using the Equity to eliminate debt can be an ideal option for clients struggling to lower their debt balances. Making minimum payments towards debt can be difficult. Not only, it ties up all of your cash flow; you are unable to lower the balances. The rates on average credit cards are usually over 19.99%+. Also, Carrying high debt amounts hurts your credit score. Lending Circle helps clients pay off the debt using Home Equity Solutions. We provide direct funding to at lowest rates to help Canadians get out of debt. In some cases, it has freed up more than 50% of clients’ monthly cashflow that was tied up by several minimum payments.
Credit Repair
Credit score is the life-line of our financial health in Canada. It will be the main deciding factor if you consider buying a house, a car or a simple credit Card. Unfortunately, our education system is still lagging behind on how to train people to establish good credit.
Paying Off debt is just the starting step of our credit repair plan with our clients. We work closely with them throughout the mortgage term. We guide them with proven strategies & take out any guess-work. We educate our clients on different aspect of financial life that can impact their credit score.
Additional Benefits
- Pay off Credit Card Balances
- Make 1 Monthly Payment
- Get Cash in Hand
- Rebuild Credit in 6 Months
- Free-Up Monthly Cash Flow
- Reduce Monthly Expenses by 50%
- Get 6-12 Months with No Payment
- Lower Credit Utilization below 30% to boost Beacon Score
- Qualify for Lower interest Rates
- Improve Credit For Better Future
- Avoid Consumer Proposal or Bankruptcy
- Save Money for a Rainy Day
- Catch up on Life Goals
Type of Mortgages & Home Loans
What Our Clients Say
