Bad Credit? No Income? We Approve Based on Equity.
Get an emergency mortgage bad credit solution today. We look past credit scores to provide the urgent funding you need.
Fast, Dignified Bad Credit Accommodations
Traditional banks say "No" based on a three-digit number. We say "Yes" based on your home's value. We specialize in urgent mortgage approval low credit scenarios.
Whether you need to consolidate debt, stop a power of sale, or pay for renovations, our fast mortgage with poor credit score options provide the lifeline you need without the judgment.
Get Approved TodayWho We Help
We assist Canadian homeowners who have been turned away by the banks.
Low Credit Score
Consumer proposal, bankruptcy, or missed payments? Get mortgage approval no credit check required. We look at equity, not history.
Self-Employed
Cannot prove your income on paper? Our stated income programs are perfect for business owners with write-offs.
High Debt Load
If your GDS/TDS ratios are too high for a bank, we can still lend. We use a bad credit home loan emergency fund to consolidate your debts.
What is Bad Credit Accommodation?
Bad Credit Accommodation is a specialized private lending channel designed to help homeowners who do not fit the strict "A-Lender" bank box. It provides a quick refinance bad credit urgent solution to bridge you to better financial health.
Unlike banks that focus on your past mistakes, we focus on your future potential and your current asset. By leveraging your home equity, we can provide substantial loans even if your credit score is below 500.
Our program is designed to:
- Provide Immediate Cash Flow to pay off high-interest credit cards.
- Rebuild Your Credit Rating by ensuring all payments are made on time.
- Stop Legal Actions like Power of Sale immediately.
- Offer Interest-Only Payments to keep your monthly costs low.
Don't let a bad credit score dictate your life. Access the equity in your home today.
Why Choose Our Equity Program?
We offer common-sense lending solutions.
⚡ Instant Eligibility
If you have equity, you are eligible. It's that simple. We offer emergency mortgage bad credit funding fast.
🛡️ Privacy Guaranteed
Your financial situation is your business. We handle every file with the utmost discretion and confidentiality.
🤝 No Income Proof
We have programs that do not require standard income verification, perfect for self-employed or gig workers.
📉 Improve Credit
Use our funds to pay off collections and credit cards. Watch your score jump up over the 12-month term.
🗓️ Flexible Terms
We offer open terms (pay off anytime) or closed terms (lower rates) depending on your exit strategy.
🇨🇦 National Lending
We fund bad credit mortgages in urban centers across Canada, including Toronto, Vancouver, and Ottawa.
Easy Approval Process
We stripped away the red tape.
Apply Online
Use our secure form to tell us about your property and mortgage balance.
Equity Review
We use automated tools to estimate your home value instantly.
Receive Offer
You get a term sheet outlining the loan amount, rate, and monthly payment.
Funds Deposited
Sign with your lawyer and get the money directly in your account.
Qualifying is Easier Than You Think
Banks decline you for credit. We approve you for equity.
- ✅ Own a residential property in a major Canadian city.
- ✅ Have equity available (Loan-to-Value up to 75-80%).
- ✅ Credit score can be 400, 500, or 600 - it doesn't matter.
- ✅ Previous bankruptcy or consumer proposal is OK.
Frequently Asked Questions
Questions about borrowing with bad credit.
Can I really get a mortgage with a 450 credit score?
Yes. In the private lending world, your credit score is secondary. The primary factor is the equity in your property. We regularly fund clients with scores below 500.
Is this a second mortgage?
Often, yes. If you have a good rate on your first mortgage, we will add a second mortgage behind it. If your first mortgage is the problem (arrears), we may refinance the whole thing.
What are the interest rates?
Rates for fast mortgage with poor credit score products are higher than bank rates, typically ranging from 8% to 12% depending on the property location and loan-to-value ratio.
How long does the loan last?
These are typically 1-year terms. The goal is to give you a year to fix your credit or sell the property, then move back to a traditional lender.
Are there upfront fees?
We do not charge application fees. All broker and lender fees are deducted from the mortgage proceeds at closing.
Don't Let Bad Credit Stop You.
Tap into your home equity today. Get the urgent mortgage approval low credit solution you deserve.