What credit score do I need for a mortgage?

Traditional lenders typically require 650+. Alternative lenders may work with scores of 550-649, and private lenders can work with scores below 550. The lower the score, the higher the rate and down payment required.

How long after bankruptcy can I get a mortgage?

You can get a private mortgage immediately. For alternative lending, typically 1-2 years post-discharge. For traditional lending, 2+ years post-discharge with re-established credit.

Will the interest rate be very high?

Rates for bad credit mortgages are higher than prime rates, but they serve as a stepping stone. We structure your mortgage with a plan to refinance at a better rate once your credit improves, typically within 1-2 years.

How can I improve my credit score quickly?

Key steps include paying all bills on time, reducing credit card balances below 30% of limits, avoiding new credit applications, and disputing any errors on your credit report. We provide personalized credit improvement strategies during your consultation.

Mortgage Service

Bad Credit Mortgages

Mortgage solutions for challenging credit situations

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Overview

Bad Credit Mortgage Solutions in Ontario

A low credit score doesn't have to stop you from getting a mortgage. I work with alternative and private lenders who specialize in helping borrowers with credit challenges. Whether you've gone through bankruptcy, consumer proposal, collections, or simply have a lower score, I can find a solution to get you into a home or access your equity.

Have questions? Call us directly647-222-7071

Benefits

How We Help You Get Approved Despite Credit Challenges

Solutions for credit scores as low as 500
Post-bankruptcy and consumer proposal mortgages
Alternative and private lender access
Credit improvement guidance and strategies
Bridge solutions to rebuild toward prime lending
Honest assessment of your options upfront

Having bad credit does not mean homeownership is out of reach. Whether your credit challenges stem from missed payments, consumer proposals, bankruptcy, or simply limited credit history, there are mortgage solutions available to you in Ontario. As a licensed mortgage agent, we specialize in connecting borrowers with lenders who look beyond a credit score.

We work with alternative lenders who consider credit scores of 550-679 and private lenders who work with scores below 550. The key difference is how we structure your mortgage: we build an exit strategy from day one, helping you improve your credit while in a private or alternative mortgage so you can refinance into a traditional product with better rates within 1-2 years.

Serving Brampton, Toronto, Mississauga, and all of Ontario, we provide honest, judgment-free advice about your options. We assess your full financial picture including income, assets, equity position, and the reason behind your credit challenges to recommend the best path forward for your unique situation.

How It Works

Your Path to Mortgage Approval with Bad Credit

We have streamlined the mortgage process to make it as smooth and stress-free as possible.

Credit Review

We review your credit report, identify issues, and discuss what happened and where you are now.

Solution Planning

We map out your best options - whether that's an immediate mortgage or a short-term plan to improve your position.

Lender Matching

We match you with lenders who specialize in your credit profile.

Path Forward

We help you get approved now and plan for refinancing to a better rate as your credit improves.

Areas We Serve

Bad Credit Mortgage Help Across the GTA

We provide bad credit mortgages services to clients across the Greater Toronto Area and all of Ontario. In-person and virtual consultations are available.

Find Your Nearest Office

Brampton

Toronto

Mississauga

Vaughan

Markham

Richmond Hill

Oakville

Burlington

Hamilton

Oshawa

Whitby