Bad Credit Mortgages

We have an Alternative Lending team that specializes in mortgages for people with less than perfect credit. If you own a home or have a down payment ready, we may be able to help.

Credit fallen apart? Piece it together to get back to your best bank rates.

Everyone has their story. Credit roadblocks can happen to anyone, and we may be able to help.

Do you own a home or have a down payment ready? Or are you close enough that you need a helping hand for that next step?

We're problem solvers, and we love nothing more than to help you find your path forward.

What you don't need? Bad advice and higher fees than you need to pay.

Yes, getting back on your feet means you won't have access to the best rates. And there are fees for our service because we work with you and the lenders to come up with solutions. We'll figure out how to handle things right now, but we also come up with a plan to help guide you over the next year or two.

Despite higher rates and a fee, we'll still save you money compared to other options out there. Some places charge very high fees, and you're no better off in a few months.

We believe you can get back on track. But we have to do it together. It's more of a relationship than a service as we work through your process to help you clear the hurdles over time to get back to your best bank rates.

The result? We want you to own your dream home, because that's what you deserve.

Here are a few examples of clients we've helped out:

Borrower 1: Our client was dealing with the aftermath of a relationship that ended. The ex had maxed out all their credit, leaving behind 2 kids, with no support and all the bills. We helped them refinance and get back on track. Within 2 years, our client was once again able to get their best bank rates.

Borrower 2: This client got injured at work and had no disability insurance, but lots of equity in their home that they've owned for 10 years. They had always paid their mortgage payments on time, but were about to start missing payments. Because they had built up enough equity, we were able to get them a second mortgage to provide enough money to pay the bills until they were back to full-time work. This solution saved their credit standing, and once they were back to work, we helped them refinance at their best bank rates.

Borrower 3: This particular client had a travel business, but due to COVID-19 restrictions had no revenue for almost a year. However, they had equity in their home, and we were able to provide them with a second mortgage to cover their lost income for the year. Once they get their business back up and running again, we'll help them refinance with a lender at their best-possible rates.

Borrower 4: Our client had previously filed for bankruptcy due to a failed business. Since that point, they've been able to find permanent full-time employment. They wanted to buy a house but had not been discharged for the required two years, and nor did they have two full years of re-established credit. Because their parents had gifted them a 20% down payment (the minimum required), we were able to obtain financing with an alternative lender so that they could purchase their home. Once they have re-established their credit for the required time period, we'll help them refinance at their best rates.

Can we help you? Contact us today for the right mortgage advice.

We're here for you — anywhere you are in Canada.