Need a Mortgage with Bad Credit? We Can Help

Credit scores below 600 are generally considered poor, but every lender has different criteria. Even if you’ve had a bankruptcy, consumer proposal, or multiple late payments, you may still qualify.

They can be slightly higher than traditional rates due to the perceived risk, but we work with many lenders to shop the best available rate based on your situation. Once your credit improves, we can help you refinance at a lower rate

Typically, yes. Most bad credit mortgage options require at least 20% down or 20% equity if you’re refinancing. The more equity or down payment you have, the more flexibility you’ll get.

You can still qualify. Many lenders will work with you after discharge—even immediately—depending on your income, equity, and repayment history since the event.

Absolutely. Many clients use equity from their home to pay off credit cards, loans, and other high-interest debt—simplifying their finances and improving cash flow.

Yes. Making consistent mortgage payments on time is one of the best ways to rebuild your credit over time. We can also guide you with steps to improve your score alongside your mortgage.