Bad Credit Mortgage Solutions in Keswick
Lake Simcoe lenders who look past your score and focus on your future
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Credit Bumps Happen, Home Ownership Shouldn’t
Life along Queensway South can get expensive and a missed payment or two may have dented your credit score.
We live and work here in Georgina, so we know the local economy from Simcoe Landing to De La Salle Park.
Our experienced mortgage team matches you with Ontario alternative lenders that weigh income, equity and future potential more than yesterday’s late fees, helping you rebuild credit while keeping mortgage payments lake-life-affordable.
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FAQs for Mortgages for people with bad or poor credit in Keswick, Ontario
Can we buy in Keswick after a recent consumer proposal?
Definitely. Many of our clients close on homes near Cedarbrae or Church Street within months of completing a proposal. We package your new, clean repayment history for lenders that specialise in fresh-start mortgages.
How large a down payment do we need with bruised credit?
Expect 15 %–20 % down. We help you tap savings, gifted funds or existing equity, then structure the file so lenders see strong overall security, even with a score that dips below 600.
Are rates sky-high compared with a bank?
They are higher, usually 1 %–3 % above prime, but not sky-high. We negotiate discounts, cap lender fees and create a two-year game plan to move you back to an A-rate once on-time payments lift your score.
Will bad-credit lenders allow prepayment?
Yes. Most alternative lenders we use give a 10 %–20 % annual lump-sum privilege. Handy if you sell a boat at Jackson’s Point Marina and want to hammer down the balance.
How quickly can we refinance into a lower-rate mortgage?
With spotless payments and some credit-card cleanup, many Keswick clients refinance in 18–24 months. We review progress every six months and align your file with lenders offering the best renewal savings.
Please note: it's always best to get in touch with our team to make sure each specific question you might have we can answer directly to ensure 100 % accurate information.
