Bad Credit Mortgages in Ontario
Bruised credit doesn't have to mean a closed door. I'll find a lender that says yes — and build a plan to get you back to A-lender rates.
Bad Credit Mortgage
A low credit score is rarely permanent. With the right lender today and a clear plan, most Ontario clients are back to A-lender rates within 18–24 months.
Job loss, divorce, illness, consumer proposals, or just a few missed payments can all push your credit out of A-lender range. The good news: Ontario has a deep market of FSRA-regulated B-lenders, credit unions, and private lenders who specialize in helping you rebuild.
I'll review your credit report with you, identify the exact items to fix, and place you in a 1- to 2-year mortgage that works today — then build a transition plan back to a traditional A-lender at renewal. The goal isn't just to get approved; it's to get you back on solid financial ground.
How I Can Help
- Mortgage approvals for consumer proposals, past bankruptcies, and collections
- B-lender and private mortgage placement with FSRA-compliant disclosure
- Credit repair coaching with specific steps to raise your score
- Structured 1–2 year exit plans back to A-lender rates
- Honest conversations about cost, risk, and the right tool for you
A Simple 4-Step Process
We assess your current rate, balance, prepayment penalty, and Ontario home equity.
I model the OSFI stress test and run the numbers across 50+ lenders to find the right fit.
Documents in, appraisal ordered, and a firm approval issued — usually within days.
Your lawyer registers the new mortgage and you start saving on your next payment.
What Ontario Clients Say
After a rough year my credit was a mess. Nick arranged a private mortgage that bridged us back to an A-lender within 18 months.