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Toronto Mortgage

Bad Credit?

Bad Credit doesn't always mean No Mortgage!

You shouldn’t assume that having bad credit means that you will not be able to get a mortgage. Many people from across Ontario have come to Expert Mortgage with poor credit and yet, we have been able to successfully craft a mortgage solution for them. Even if there are bankruptcies on your credit report, we may still be able to provide an interim “fix” while you re-establish your credit.  We can also provide you with sound advice on how to get to your goal quicker.

Not all bad credit scores are created equal!  How you arrived at a low credit score is very important and impacts if you are successful in securing a mortgage. As an example, lenders may require that certain debts are paid off prior to accepting your mortgage application. Another common way around bad debt, is to provide a down payment of 20% or more of the principal. The Expert Mortgage team will analyze your credit situation and provide you with the steps required to secure a mortgage, even with bad credit!

Self-employed or a recent immigrant?  Usually these customers experience the most difficulty in securing mortgages that meet their needs. Look no further. With the vast array of product at our disposal, Expert Mortgage can offer you a first and possible second mortgage. Everyone’s circumstances are unique to them. We understand that and work towards find something that works for you, not for the banks!