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Bad Credit Mortgage
Mortgage Broker Serving the Durham Region, ON
Your credit score shouldn't be a barrier to homeownership. We specialize in securing poor credit mortgage approvals by looking at your equity and potential, even when traditional banks say no.
What is a Bad Credit Mortgage?
A bad credit mortgage is a specialized lending product designed for borrowers with low credit scores, previous bankruptcies, or consumer proposals. While traditional "A-Lenders" use automated systems to reject files based on a number, a poor credit mortgage is manually underwritten. This means we focus on your home's equity, your stable income, and the "story" behind your credit—giving you a second chance to secure financing.
Expert Bad Credit Mortgage Ontario Solutions
Your Dedicated Bad Credit Mortgage Broker
At RS Mortgage Solutions, we understand that life happens. Situations like divorce, illness, or business setbacks can bruise your credit, but they don’t define your financial future. As an experienced bad credit mortgage broker, we have access to a vast network of alternative and private lenders across the province who prioritize your property's value over your credit report.
We specialize in creating a custom roadmap for:
- Discharged Bankrupts: Helping you transition back into the housing market.
- Consumer Proposals: Finding lenders who will work with you during or after a proposal.
- Equity Takeouts: Using your home’s value to pay off high-interest debt and boost your score.
Our goal is simple: secure a bad credit mortgage in Ontario to bridge the gap today, while implementing a strategy to move you back to a traditional bank rate tomorrow.
Helping Borrowers Across the Durham Region & GTA
RS Mortgage Solutions offers specialized bad credit mortgage services in Pickering, Ajax, Whitby, Oshawa, Clarington, Port Perry, Cannington, Beaverton, Brock, Uxbridge, Scarborough, Etobicoke, North York, Toronto, Markham, Vaughan, Richmond Hill, Newmarket, Brampton, Oakville, Milton, Mississauga, and beyond.
Don’t Let Your Past Dictate Your Future
Stop facing rejections from the big banks. Let’s look at your equity and find a poor credit mortgage solution that fits your life in Newcastle, ON.