Need a Mortgage with Bad Credit? We Can Help
Credit challenges happen. Whether you’re rebuilding or starting fresh, we offer mortgage solutions designed to help you move forward—with lenders who look at more than just your score.
Mortgage Options for Canadians with Bad Credit
A low credit score doesn’t mean you’re out of options. Life happens—missed payments, unexpected debt, job changes. The good news? We work with lenders who focus on your full financial picture, not just your credit report.
Whether you’ve been declined by a bank or are worried your credit score is too low to qualify, we’re here to help. Our bad credit mortgage solutions are designed for clients who need a second chance and a clearer path forward.
We work with over 50 lenders, including credit unions, trust companies, and private lenders that offer:
- Bad credit or bruised credit mortgages
- Equity-based financing
- Debt consolidation into one easy payment
- Refinance options for rebuilding financial stability
- Flexible qualification based on your current situation
You’re more than a number—and we’ll help you get approved like it.
Why the Bank Says No—And Why We Help You Say Yes
Why do customers love working with us?
Got Questions About Bad Credit Mortgages?
FAQ
Yes, you can. Many alternative and private lenders specialize in helping borrowers with low or poor credit scores. They assess other factors like your income, equity, or down payment to approve your application.
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.
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