Bad credit mortgages

We offer sensible solutions to meet your needs

How to get a mortgage with lousy credit

Bad credit mortgages has been our business since 2003. We provide mortgages for low credit scores. We place your mortgage with B lenders. Who are B mortgage lenders? B lenders are banks, trust companies or credit unions. Private lenders are also considered B lenders, all of them lending to people with low credit score. Moreover, institutional B lenders, and private lenders have more flexible approval guidelines than conventional banks. Bad credit mortgage lenders accept derogatory credit impediments and low credit scores. As a result, these not so good credit situations will not prevent an approval. The only downside is you will need at least a 20% down payment for purchases. For instance, we determine your qualification based on many factors. Finally, we understand how important it is to have the lowest rate possible. This is why we are 100% committed to providing you the lowest rate based on your circumstances. In conclusion, guarantee yourself to never to pay more than you have to. We are a bad credit mortgage broker in Canada providing institutional B and private B mortgage solutions.

Ready to take the next step in securing your dream home? Discover alternate B lending rates and conventional mortgage rates at Canadian Mortgage Finder. Click here to explore your financing choices and turn your homeownership dreams into reality today.

Request a free NO Obligation consultation

ALTERNATIVE B MORTGAGES

Have great credit and still declined by your Bank? Have high gds or tds? Self Employed and do not have acceptable income documentation needed by conventional banks? Everyday we provide approvals for borrowers with good credit but high serviceability. We qualify you at the lowest priced mortgage available for your situation. Similarly, if you have bad credit our B lending solutions could be the answere you are looking for. Do not hesitate further, use the the options before to start the process.

TYPE OF MORTGAGE ARE YOU LOOKING FOR

Purchases

  • Less than perfect credit
  • Get approved
  • Special programs
  • Superb rates

Refinance

  • Up to 80% financing
  • One monthly payment
  • Consolidation
  • Any credit

Equity take out

  • Fast Fund available
  • 1st or 2nd mortgages
  • Any purpose
  • Equity is King

Reverse Mortgage

  • Up to 55% of value of home
  • Cash is tax free
  • Keep your home
  • Monthly cash flow

Agriculture

  • Up to 80% financing
  • One monthly payment
  • Consolidation
  • Any credit

Commercial

  • Mixed use
  • Retail
  • Office
  • Industrial

What People Say About Us

CLIENT TESTIMONIALS

“Very pleased once again with you professional service and advice. Fist mortgage you did for us was in 2016. Once again you came through with exactly what I required. Glad I came back to you!”

C. Morris-WalkerAjax Ontario

Canadian Resident

“The one thing that stands in our minds is the way you provided our mortgage exactly how you presented to us in our free no obligation consultation. We are extremely grateful to you. Equally grateful to our friend for referring us to you.”

Mike D’AgataSimcoe Ontario

Engineer

“From our first conversation were were impressed by the expertise and knowledge. You knew exactly how to resolve our unusual request. As it turned out, you delivered what you said you would. It all worked out the way you advised. Thank you!”

K. and B. MoellerWinnipeg Manitoba

Software Developer

“Very pleased once again with you professional service and advice. Fist mortgage you did for us was in 2016. Once again you came through with exactly what I required. Glad I came back to you!”

Thomas Clark

Manufacturing Director

“From our first conversation were were impressed by the expertise and knowledge. You knew exactly how to resolve our unusual request. As it turned out, you delivered what you said you would. It all worked out the way you advised. Thank you!”

Diego Ramos

International Student

“The one thing that stands in our minds is the way you provided our mortgage exactly how you presented to us in our free no obligation consultation. We are extremely grateful to you. Equally grateful to our friend for referring us to you.”

Anna Kozlova

Artist

Tailored Mortgage Solutions for
Individuals with Low Credit Scores

First time Buyer

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Self Employed

Self employed?  Use our site to find how the process of purchasing your first home.  There are 2 ways if you are in business for yourself:  Conventionally if you have a minimum of 2 years with notice of assessments showing your qualifying income on line 1500, or alternative B financing if you do not have this requirement.  Read more about self employment mortgage financing here.

New To Canada
Welcome to Bad Credit Mortgages, where we specialize in providing personalized mortgage solutions for individuals with low credit scores. If you’re new to Canada and looking to purchase a home, we’re here to help. Our team of experts will guide you through the process, assessing your qualifications and providing insights into your affordability. We work closely with your real estate agent to ensure a seamless and stress-free home buying journey. Rest assured, past credit challenges won’t hinder your approval with our institutional B and private B mortgage solutions. Discover our competitive B lending rates and conventional mortgage rates at Canadian Mortgage Finder and take the first step towards realizing your homeownership dreams today.
Second Home
Looking to invest in a second home? At Bad Credit Mortgages, we specialize in catering to individuals with low credit scores who are looking to purchase a second home. We understand that past credit challenges shouldn’t hinder your dreams of owning a second property. Our team of experts will guide you through the qualification process and secure the lowest rate feasible based on your unique circumstances. Explore our competitive B lending rates and conventional mortgage rates at Canadian Mortgage Finder and take the first step towards realizing your second home dreams today.
Spousal Buyout
Considering a spousal buyout? Look no further than Bad Credit Mortgages. Our team of experts specializes in personalized mortgage solutions for individuals with low credit scores. When it comes to navigating the complexities of a spousal buyout, we’ve got you covered. Don’t let past credit challenges hold you back. Our institutional B and private B mortgage solutions ensure your approval, providing you with the financial flexibility you need. Discover our competitive B lending rates and conventional mortgage options at Canadian Mortgage Finder. Take the first step towards securing your future today.
Rental Property
Looking to generate passive income? Invest in a rental property and watch your wealth grow. At Bad Credit Mortgages, we specialize in helping individuals with low credit scores secure financing for their rental properties. Our team of experts will guide you through the qualification process and secure the lowest rate based on your unique circumstances. Explore our competitive B lending rates and conventional mortgage rates at Canadian Mortgage Finder and take the first step towards building your real estate empire today.
Mortgage Arrears
Struggling with mortgage arrears? Don’t let past credit challenges hinder your dreams of homeownership. At Bad Credit Mortgages, we specialize in tailored solutions for individuals with low credit scores. Our institutional B lenders have flexible approval guidelines and accept various types of derogatory impediments. Regardless of your credit situation, we assess your eligibility based on multiple factors. We understand the significance of securing the most competitive rate possible, and we are fully committed to providing you with the best rate based on your circumstances. Our mission is to ensure you never pay more than necessary. As the leading bad credit mortgage broker in Canada, we offer complimentary, no-obligation consultations. Begin the process today and regain control of your financial future.
Stop Foreclosure

Are you facing the threat of foreclosure? Don’t worry, we’re here to help. At Bad Credit Mortgages, we specialize in providing personalized solutions for homeowners with low credit scores. Our team of experts will work with you to find the lowest priced mortgage available for your situation, allowing you to stop foreclosure and regain control of your home. Don’t hesitate any longer, take action now and use the options below to start the process.

MORTGAGE REFINANCE

Access Home Equity: Whether you’re planning a home renovation, investing in education, or need funds for other important expenses, tapping into your home equity through refinancing can provide you the financial flexibility you need

Expert Guidance: Our team of mortgage specialists is committed to providing you with personalized guidance and support every step of the way. We’ll work closely with you to understand your unique financial goals and tailor a refinancing solution that aligns perfectly with your needs.

Pre approval?

Qualify now with good or bad credit Get Pre approved

More information on our solutions?

Call us today 1-877 237-2601 or fill out our online contact form.

How much down payment do I need?

Read about our down payment requirement.pin

Bad credit mortgage lenders

Institutional financing, you can borrow up to 80% of the value of your home depending on location. Now the time to take advantage of lower rates. Rates starting at 2.54% for challenged credit.

Not happy with your current Lender?

Let us transfer or switch your mortgage.

The lowest rate is not always the best choice. There are other options to consider. Options that may suit your situation better.

Pre-approvals for good or bad credit
Before looking for your home it pays to talk to us first and allow us to qualify you. We will tell you home much you can afford, what your monthly payments will be, and we will start the process and work along your real estate agent to ensure your home buying experience is without stress and hassle free.

Get In Touch

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