Bad Credit Mortgages
Your credit score doesn't have to stop you from owning a home. We specialize in mortgage solutions for Canadians with bruised or challenged credit.
Check Your OptionsWe Understand Life Happens
Job loss, divorce, medical emergencies, or unexpected circumstances can impact anyone's credit. Our team specializes in finding mortgage solutions for those who've faced financial challenges.
Past Bankruptcy
Even after bankruptcy, you can qualify for a mortgage. We work with lenders who consider your current financial situation, not just your past.
Consumer Proposal
Currently in or completed a consumer proposal? We have options to help you purchase or refinance a home.
Collections & Late Payments
Collections on your credit report don't automatically disqualify you. We can often work around these issues.
Previous Foreclosure
Lost a home in the past? With enough equity and income, we can help you become a homeowner again.
Low Credit Scores
Credit scores below 600? We have access to B-lenders and private lenders who focus on equity and ability to pay.
Credit Rebuilding
Use your mortgage as a tool to rebuild credit. Make payments on time and watch your score improve over time.
Our Lending Partners
We work with a variety of lenders to find the right solution for your situation.
For those with improving credit who may qualify for near-prime rates.
More flexible qualification with slightly higher rates. Great for bruised credit.
Equity-based lending for situations where traditional lenders say no.
Frequently Asked Questions
What credit score do I need for a mortgage?
While major banks typically require 650+, B-lenders may work with scores as low as 500, and private lenders focus more on equity than credit score.
Will I pay higher interest rates?
Typically yes, but this is often temporary. Many clients refinance to better rates after 1-2 years of on-time payments.
How much down payment do I need?
B-lenders typically require 20% minimum, while private lenders may require 25-35%. More equity means more options.
Can I refinance my current mortgage with bad credit?
Yes! If you have equity in your home, refinancing is often possible even with poor credit.
Don't Let Credit Hold You Back
Get a free, no-obligation consultation to explore your mortgage options.