Judgements & Liens on Your Home in Ontario & Canada
A Mortgage to Pay Off a Lien or Judgement on Your Home
A lien or judgement registered against your property can freeze your financing, even when you have built up significant equity. If your bank declined you because of a claim on title, you still have options. A mortgage to pay off a lien or judgement from Turnedaway.ca is approved on your equity, not your credit score, so the claim can be cleared and your title restored. Learn more about home equity loans, second mortgages, and debt consolidation.
or call 1-855-668-3074
Approvals in as fast as 24 hours · No income or credit requirements · Financing from $25,000
Yes, you can get a mortgage to pay off a lien or judgement if you own a home with equity. Equity-based lenders approve based on your property's value rather than your credit score, which is why financing is often available to clear a registered claim, restore clean title, and stop the collection pressure, even after a bank has declined you.
24 hrs
Typical approval window through Turnedaway.ca, versus weeks of back and forth at a bank.
80%
Maximum loan-to-value we arrange, leaving real equity protected as a buffer.
$25K
Financing available from, with no income or credit requirements to apply.
0
Credit score minimum. Your equity, not your score, clears the claim on title.
For general guidance on liens and your rights, see the Government of Ontario.
Why a Lien or Judgement Freezes Bank Financing
A judgement is a court order confirming you owe a debt, and once it is registered against your property it becomes a claim on your title. A lien works similarly: it secures an unpaid debt, whether to a contractor, a creditor, or a government body, against your home. Either one tells a traditional lender that someone else has a legal interest in the property, and banks almost always refuse to refinance or renew until the claim is cleared.
That creates a frustrating trap. The very equity that could pay off the claim is locked behind the claim itself. Equity-based lending breaks that loop. What matters most is the value in your home, not the marks on your credit report or the claim on title, so the financing can be arranged specifically to satisfy the lien or judgement and restore clean title. The funds are typically directed straight to the claim through your lawyer at closing.
At Turnedaway.ca, we have helped thousands of clients clear claims registered against their homes by working with a wide network of alternative and private lenders. That is what allows us to arrange a mortgage to pay off a lien or judgement for homeowners the banks have already declined.
Common Types of Claims Registered Against a Home
Several different claims can end up registered against your title. Each one can block bank financing, and each one can usually be cleared with an equity-based mortgage. This table is a general guide only.
| Type of Claim | What It Is | How Equity Helps |
|---|---|---|
| Judgement Lien | A court order for an unpaid debt, registered against your property | Financing pays the judgement so it is discharged from title |
| Construction Lien | A claim by a contractor or supplier for unpaid renovation work | Funds resolve the lien and clear the dispute from your home |
| CRA or Tax Lien | A government claim for unpaid taxes secured against the property | Equity settles the balance before enforcement escalates |
| Creditor Lien | A secured claim by a lender or creditor for an outstanding debt | Financing consolidates and clears the claim in one solution |
| Property Tax Arrears | Unpaid municipal taxes that can lead to a tax sale | Equity brings arrears current and protects your home |
For tax-specific claims, see our pages on CRA debts and liens and property tax arrears.
How a Mortgage to Pay Off a Lien or Judgement Works
Getting approved through Turnedaway.ca is straightforward, even with a claim registered against your title. Here is what the process looks like from your first application through to funding.
Tell Us About the Claim
Apply securely at apply.turnedaway.ca. Tell us what is registered against your property, whether it is a judgment, a construction lien, a tax claim, or a creditor lien.
We Assess Your Equity
We review your home's value, your existing mortgage, and the size of the claim to confirm there is room to clear it within our 80% loan-to-value cap. Estimate your room with our home equity calculator.
We Match You to a Lender
We place you with a lender who funds based on equity, not credit, and who understands title claims. An independent appraisal confirms your home's value.
Review Your Full Cost Disclosure
Every cost is laid out in a written Cost of Credit Disclosure before you sign anything, so there are no surprises. Your lawyer completes the legal work and directs funds to the claim.
Clear Title and Move Forward
The claim is paid and discharged from title, and you follow the exit plan we build to return to bank rates when you are ready. Most files close within 5 to 10 business days.
Who Qualifies?
Approval is based primarily on the equity you have built up, not your credit score or employment status. Not sure how much equity you have? Use our home equity loan calculator to get an estimate.
A Judgement Registered Against Your Home
A court judgment on title does not disqualify you. With enough equity, we can often arrange financing to pay it out and clear it.
A Construction or Contractor Lien
A lien from a renovation dispute can be resolved with equity so it stops blocking your financing.
Declined by Your Bank Over Title Issues
If a claim on title caused your bank to refuse a refinance or renewal, an equity-based lender can step in.
Self-Employed
No income verification or tax returns required. Your property qualifies you, not your paystub or Notice of Assessment.
At Least 20% Equity in Your Home
Because all of our lending stays within an 80% loan-to-value cap, you need meaningful equity in the property.
Equity can clear CRA debts and liens before enforcement escalates.
or call 1-855-668-3074
How Much Can You Borrow?
The amount depends on your property's current value and the balance still owing on your mortgage. Turnedaway.ca does not arrange deals above 80% LTV, which protects you if property values decline. Here is a simple example for a homeowner clearing a claim on title.
Simple Example
| Detail | Amount |
|---|---|
| Estimated Property Value | $760,000 |
| Maximum LTV at 80% | $608,000 |
| Existing Mortgage Balance | $420,000 |
| Equity You Could Access | up to $188,000 |
Commonly used to pay out a judgement, satisfy a lien, and consolidate related legal costs. Use our home equity loan calculator for a personalized estimate. Financing available from $25,000.
What Can You Use the Funds For?
Homeowners use their equity to clear claims and take back control of their title in several ways. These are the most common.
⚖️
Pay Out a Court Judgement
Clear a registered judgment so it is discharged from your title and collection pressure stops.
🔨
Resolve a Construction Lien
Settle a contractor or renovation dispute that has placed a lien on your home.
💼
Roll the claim and other balances into one payment by consolidating debt against your home.
🏦
Move back to a bank-rate mortgage once your title is restored and you qualify again.
Our Commitment to Responsible Lending
It would be easy to promise the world to someone who feels out of options. We will not do that. Turnedaway.ca is a licensed mortgage brokerage, and our job is to give you honest guidance, not just a transaction.
We do not arrange financing above 80% loan-to-value, with no exceptions. Property values can fall, and when a homeowner is already in financial difficulty, taking them to the edge of their equity creates risk we are not willing to accept on their behalf. If your request goes over the limit, we will help you restructure it rather than stretch you thin. Every deal leaves meaningful equity in place as a buffer, with an exit strategy built in to move you back toward lower-cost financing.
The full cost of any solution, including the interest rate, lender fee, broker fee, legal fees, and appraisal, is disclosed in writing through a formal Cost of Credit Disclosure for your specific deal before you commit.
or call 1-855-668-3074
Real Client Results
Every situation is different. Here are three examples of how Turnedaway.ca helped homeowners clear liens and judgements registered against their homes when traditional lenders said no.
Case Study 1 | Creditor Judgement Against the Home
Discharging a Court Judgement From Title
A Durham Region homeowner had been sued by a creditor after falling behind on several unsecured debts. A court judgement was registered against the property, preventing them from refinancing through their bank despite significant home equity. With a home valued at approximately $750,000 and a mortgage balance of approximately $420,000, equity financing was arranged to pay out the judgement and related legal costs while remaining below 80% loan-to-value.
Result: The judgement was discharged from title, collection pressure stopped, and the homeowner consolidated their obligations into a manageable mortgage solution.
Case Study 2 | Construction Lien Following Renovations
Clearing a Construction Lien After a Contractor Dispute
An Ontario homeowner became involved in a dispute with a contractor following a major renovation project. A construction lien was registered against the property, creating challenges with mortgage financing and preventing access to traditional lending options. With a home valued at approximately $900,000 and a mortgage balance of approximately $500,000, equity was accessed to resolve the lien and associated costs while keeping total financing under 80% loan-to-value.
Result: The lien was removed from title, financing was stabilized, and the homeowner was able to move forward without ongoing legal complications affecting the property.
Case Study 3 | Multiple Claims Impacting the Property
Clearing Several Claims to Restore Clean Title
A homeowner had accumulated several issues registered against the property, including a CRA requirement and other unsecured creditor claims. Traditional lenders declined the file due to the title issues despite strong equity in the home. With a home valued at approximately $820,000 and a mortgage balance of approximately $390,000, an equity-based mortgage solution was arranged to satisfy the registered claims while remaining below 80% loan-to-value.
Result: The title issues were cleared, the homeowner regained control of their finances, and a plan was established to transition back to conventional financing in the future.
or call 1-855-668-3074
Where We Serve
Turnedaway.ca helps homeowners clear liens and judgements across Canada. The cities below represent areas we serve regularly, but they are not an exhaustive list. We work with homeowners in every province and territory with the exception of Quebec, Newfoundland, Yukon, the Northwest Territories, and Nunavut.
Financing available from $25,000. Call us at 1-855-668-3074 or get started online today.
Frequently Asked Questions About Mortgages for Liens and Judgements
Can I get a mortgage to pay off a lien or judgement?
Yes, if you own a home with enough equity. A mortgage to pay off a lien or judgement is approved on the equity in your property rather than your credit score, so a claim on title does not automatically disqualify you. The funds are typically used to clear the claim and restore clean title.
Will the lien or judgment be removed from my title?
When the financing pays out the claim, your lawyer arranges for it to be discharged from title. Once the discharge is registered, your title is clear of that claim.
My bank declined me because of a claim on title. Can you help?
Yes. A claim on title is one of the most common reasons banks decline a refinance or renewal. An equity-based lender can fund the file specifically to clear the claim, even when the bank will not.
Do you lend based on my credit score?
No. As an equity-based brokerage, approval is based on the equity in your home, capped at 80% of its value. That cap is a protection for you, not a limit we hide.
What types of liens can you help clear?
We work with judgement liens, construction and contractor liens, creditor liens, and tax-related claims. For tax-specific claims, see our pages on CRA debts and liens and property tax arrears.
How much can I borrow?
Total financing is capped at 80% of your home's value, less any existing mortgage. The exact amount depends on your property value and current financing. Estimate it with our home equity loan calculator.
What does it cost?
The full cost includes the interest rate, lender fee, broker fee, legal fees, and in most cases an appraisal. We provide a written Cost of Credit Disclosure before you commit, and we subsidize appraisal costs wherever possible. For a general overview, visit Canada.ca.
How fast can I get approved?
Approvals are often available in as fast as 24 hours, with most files closing within 5 to 10 business days. Apply online to get started.
Can I consolidate other debts at the same time?
Often, yes. If there is room within the 80% cap, we can consolidate other debts along with the claim so you have one manageable payment.
How soon can I move back to a regular mortgage?
Once your title is clear and your credit recovers, we build an exit plan into every file so you have a path to refinance back to conventional financing when you qualify.
Clear the Lien or Judgement on Your Home
If you own a home, a claim on title does not have to be the end of your options. Apply today and get a response within 24 hours, with no obligation and full transparency on cost.
Get Approved Nowor call 1-855-668-3074