Bad Credit Mortgages
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Rates from From 5.99%

Bad Credit Mortgages

Second Chances for Homeownership

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.

Get Started Call (416) 822-7357
Why Choose Us

Benefits of Our Bad Credit Service

Flexible Lender Network

Access to B-lenders and private lenders who look beyond credit scores.

Bankruptcy Solutions

Options even after bankruptcy or consumer proposal.

Credit Rebuilding

Use your mortgage as a tool to rebuild your credit over time.

Equity-Based Approval

Strong equity can compensate for credit challenges.

Our Process

How It Works

01

Credit Review

We review your credit situation without judgment.

02

Find Solutions

Match you with lenders who work with your credit profile.

03

Get Approved

Secure approval from A, B, or private lenders.

04

Rebuild Path

Create a plan to improve credit for future refinancing.

FAQ

Frequently Asked Questions

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.
Typically yes, but this is often temporary. Many clients refinance to better rates after 1-2 years of on-time payments.
B-lenders typically require 20% minimum, while private lenders may require 25-35%. More equity means more options.
Yes! If you have equity in your home, refinancing is often possible even with poor credit.
Get Started

Don't Let Credit Hold You Back

Get a free, no-obligation consultation to explore your mortgage options.

Get Your Best Mortgage NOW

AND SAVE $1,000s IN INTEREST

Quick - Easy - Secure!

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By submitting your contact information you also expressly consent to have us contact you about your inquiry by text message, email, or phone. This is not a commitment to lend or extend credit. Restrictions may apply.

Don't Let Credit Hold You Back

Get a free, no-obligation consultation to explore your mortgage options.

Get Free Consultation Call (416) 822-7357