Homeownership Is Still Possible
Scores Below 600 Welcome
Approvals available with credit scores below 600 — each situation is unique.
Post-Bankruptcy Options
Recent bankruptcy? We can still help you get into a home.
Consumer Proposal Accepted
We work with lenders who accept consumer proposals and repayment plans.
Credit Rebuilding Included
Credit rebuilding strategies included with every mortgage solution.
Path to Prime Rates
A clear pathway to prime rates within 1-2 years of consistent payments.
Rent-to-Own Alternatives
Rent-to-own alternatives available when traditional purchase isn't possible.
Past Credit Challenges Don't Define Your Future
Past credit challenges don't mean you can't own a home. We work with lenders who look beyond credit scores at the bigger picture — your income, your down payment, and your current situation. Many Canadians with bruised credit still qualify for mortgages through alternative and B-lender programs.
Looking at the Whole Picture
A credit score is just one number. Lenders we work with consider your income stability, equity, down payment source, and the story behind any credit issues. A temporary setback doesn't disqualify you from homeownership.
Rebuild While You Own
On-time mortgage payments are one of the most powerful credit-building tools available. Many of our clients improve their scores significantly within the first year — positioning themselves for prime rates at renewal.
A Roadmap Back to Prime Rates
Getting a mortgage with bruised credit is just the first step. We build a personalized roadmap to rebuild your credit and qualify for prime rates — often within 1-2 years. From secured credit cards to strategic payoff plans, we guide you through every step so that by your next renewal, you're positioned for the best rates available.
See My Options
Our 3-Step Credit Solution Process
1. Credit Analysis
Review your credit report to understand issues and create an improvement plan.
2. Lender Matching
Find lenders who specialize in your specific credit situation.
3. Approval & Credit Coaching
Get approved now while implementing steps to qualify for better rates later.
What Credit Score Do You Need?
We have options for credit scores as low as 480. Each situation is unique, and the right program depends on your down payment, income, and the specifics of your credit history.
After Bankruptcy or Proposal
Most clients can qualify 1-2 years after a bankruptcy discharge with re-established credit — and some options are available sooner. If you're in a consumer proposal, several lenders will work with you once you've established a payment track record.
On-time mortgage payments are one of the fastest ways to rebuild credit — many clients see significant improvement within 12 months.
Bad Credit Mortgage Frequently Asked Questions
Don't Let Credit Stop You
Past credit challenges don't have to keep you from homeownership. Let us find a solution that works — it's free to explore your options.