Get a Mortgage in Ontario Even if you Have Bad or Poor Credit

We consider more than your numeric rating—many lenders in Ontario accept scores as low as 550 when paired with steady income and employment. Our team works closely with local credit unions and MICs around Ontario to find the right fit for you.

Yes—our team taps into “second chance” and “fresh start” mortgage options designed for homeowners post-bankruptcy. We’ll explain Ontario’s six-year discharge requirement and guide you through approved lenders near Mapleview Centre.

Typically, a minimum 5% down payment is required, but we also explore specialist programs that allow even lower deposits in certain cases. Our Ontario-based advisors will review your finances and recommend any provincial down payment assistance you might qualify for.

Absolutely—we provide step-by-step credit-repair tips and connect you with trusted counselling services in Ontario. By tackling small errors on your credit report and establishing on-time payments, we boost your approval chances.

Once we’ve gathered your documents, approvals often arrive in 2–4 weeks, depending on lender requirements and any credit-improvement steps. Our local Mortgage team keeps you updated at every stage, so you’re never left wondering.