Bad Credit? No Income? Get the Mortgage You Need Today.
Don't let banks decline your future. We specialize in bad credit mortgage Canada solutions, focusing on your home's equity, not your history.
Takes 60 seconds. No obligation.
*All loans subject to property value, equity, and legal review.
Expert Bad Credit Mortgage Solutions
Traditional lenders only see a credit score. We see the value in your home and your potential. We specialize in private mortgage solutions that banks simply won't touch.
Whether you are looking to consolidate debts, stop foreclosure, or simply need cash, our alternative lending specialists ensure you get treated with respect and dignity.
Check My Equity NowWho We Help
We provide common-sense lending for homeowners in every financial situation.
Low Credit Scores
Dealing with missed payments, collections, or bankruptcy? Our bad credit mortgage approval focuses on your equity, bypassing strict bank rules.
Non-Traditional Income
Self-employed or unable to prove income through standard docs? We offer stated-income solutions for business owners and contractors.
High Debt Ratios
If your GDS/TDS ratios are too high for the bank, we can help. Use your home equity to consolidate high-interest debt into one manageable payment.
Understanding Bad Credit Mortgages
A bad credit mortgage is a specialized lending path designed for homeowners who do not fit the strict "A-Lender" criteria. It is a private bad credit mortgage solution that uses your home as the primary qualifier.
Instead of penalizing you for past financial challenges, we leverage your hard-earned home equity to provide the capital you need to move forward and rebuild your financial health.
Our tailored program is designed to:
- Provide Instant Funding to clear high-interest arrears or debts.
- Bridge You to Better Credit by providing time to repair your score.
- Prevent Foreclosure or Power of Sale actions immediately.
- Offer Simple, Equity-Only Approval with minimal paperwork.
- Give You 12 Months of breathing room with interest-only options.
Take the first step toward financial freedom. Your home is the key to your approval.
Why Choose Our Program?
Flexible lending solutions tailored to your unique needs.
⚡ Same-Day Term Sheets
Time is of the essence. We offer alternative lending assessments, often providing a decision within hours.
🛡️ Professional Service
We treat every client with the utmost discretion and professionalism. Your financial journey is safe with us.
🤝 No Income Hassles
Our programs are designed for ease, meaning we don't require the mountain of paperwork that banks demand.
📉 Credit Rehabilitation
By paying off your stressors today, you can focus on building a stronger credit score for a future bank refinance.
🗓️ Custom Exit Plans
We work with you to create a clear plan to get back to traditional lending at the end of your private term.
🇨🇦 Ontario Wide Lending
We fund bad credit mortgages across Ontario, serving cities like Ottawa, Toronto, and the surrounding areas.
Our Simple 4-Step Process
Getting a mortgage shouldn't be complicated.
Apply Online
Complete our 2-minute secure form with your property details.
Equity Check
We analyze your home's current market value and available equity.
Get Your Offer
Review your customized quote with clear rates and transparent terms.
Fast Closing
Sign your documents and receive your funds directly in your account.
Main Eligibility Requirements
We make it easy to qualify, even when others say no.
- ✅ You own a residential property in a major Canadian urban area.
- ✅ You have at least 20-25% equity remaining in your home.
- ✅ You have a clear path to repayment or refinancing in 12 months.
- ✅ Any credit score (or no credit score) is acceptable for review.
Common Questions
Everything you need to know about borrowing with bad credit.
Is there a minimum credit score for this mortgage?
No. Our bad credit mortgage Canada program is based on property equity. We regularly help homeowners with scores in the 400s or those currently in consumer proposals.
Can I get a mortgage while in Bankruptcy?
Yes, provided you have sufficient equity and a plan for discharge. We specialize in helping clients bridge the gap during difficult financial transitions.
What are the typical interest rates?
Rates for mortgages with poor credit are higher than prime bank rates because of the increased risk. They typically range from 8% to 12% depending on the specific file and location.
How long does the approval process take?
We pride ourselves on speed. Initial equity reviews happen within hours, and funding can be completed in as little as 2 to 5 business days.
Do I need to be employed full-time?
Not necessarily. We have programs for the self-employed, retirees, and those with non-traditional income sources who have been rejected by major banks.
Your Private Mortgage Solution is Just a Click Away.
Check your equity in 60 seconds with no obligation. We respond within 15 minutes during business hours.