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Bad Credit Mortgages
Bad Credit Mortgages
Bad Credit Mortgage Solutions
Your Credit Score Doesn't Define Your Homeownership Dreams
Bad Credit? Good News.
Bankruptcy? Consumer proposal? Missed payments? Collections?
Your past doesn't have to dictate your future. Specialized bad credit mortgage lenders focus on your current ability to pay, not your credit history. While rates are higher, homeownership today beats perfect credit tomorrow – especially in Toronto's rapidly rising market.
Stop letting credit scores delay your dreams. Start building equity now.
🏠 Bad Credit Mortgage Reality Check
The Numbers That Matter
💰 Cost vs. Opportunity
Toronto home price increases: $3,000-$8,000/month
Higher interest cost: $200-$600/month
Math: Buy now = Save thousands long-term
🎯 Perfect Bad Credit Scenarios
✅ Credit Challenges We Solve
Bankruptcy/Proposals (discharged or active)
Collections/Judgments (settled or outstanding)
Late Payment History (missed mortgage/rent payments)
High Debt Ratios (maxed credit cards, overleveraged)
New Credit Events (recent divorce, job loss, medical issues)
⚡ Why Act Now, Not Later
Toronto market velocity (prices rise faster than credit repairs)
Rental cost vs. ownership (stop paying landlord's mortgage)
Credit improvement strategy (mortgage payments rebuild credit faster)
Equity building (appreciation + principal paydown)
"After my business failed and I went through a consumer proposal, I thought homeownership was impossible. Your Rate Guy found a lender at 12.5% with 25% down. Twenty-four months later, we refinanced to 7.2% with RBC. My credit went from 480 to 720, and my Toronto condo increased $150K in value. Best decision ever."
– James K., Small Business Owner, North YorkWHY BROKERSARE ESSENTIAL
"There is always a solution".
→ Call Now:
647-241-6652
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Dan Mizrahi
Mortgage Broker
Choice Financial Corp. #13564
Independently owned and operated
Licensed in
Ontario FSRA #13564
Alberta RECA
CF Choice Financial Corp:
BC: BCFSA #MB605782
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