Repairing Your Credit2018-10-23T13:25:44+00:00

Repairing Your Credit

If you don’t qualify for an affordable mortgage this is probably because of;

  • Bad things can happen to good people. Please don’t be concerned, as we help clients with past credit issues every day, and we help them by either:
  • Going over the credit issues, fixing or repairing them and preparing them with a clear Credit Improvement Action Plan to improve their credit score that way they’re able to qualify as soon a possible
  • Or, we have lenders, in which even though you may have had some blips in the past, will still consider you for a mortgage now. The mortgage rate may be a little higher, but it could still mean home ownership is a reality for you now and you can stop paying rent!

We have helped clients become homeowners who have;

  • Been bankrupt
  • Completed or are in a Consumer Proposal
  • Completed Credit Counseling
  • Had collections and accounts written off
  • Had late payments
  • Had disputes with creditors (gyms, cell phones, etc.) that shown negatively on the credit report
  • Been a victim of identity theft
  • Inaccurate credit reporting on their credit report
  • Had multiple credit bureaus due to name changes

No Credit 

We help clients with no credit history by either:

  • Providing recommendations and applications for credit cards or loans to help re-establish and build a credit report;
  • Or, we have lenders in which even though you may not have credit, they will consider other things to show your credit worthiness;
  • Cell phone bills and contracts
  • Utilities paid on time for the last 12 months
  • A letter from your landlord indicating rent has been paid on time for the last 12 months
  • 12 months bank statements showing no bounced cheques or NSF’s and/or excessive use of overdraft facilities
  • A credit report from your country of origin if you’re new to Canada

Rent to Own; Our Rent/Lease to Own Program is where one of our property investors will back your efforts to become a home owner. You select the home you want to purchase then you will be entering an agreement where an initial deposit and part of your monthly rent payments acts as down payment over the course of the contract term (1, 2 or 3+ years). You then would use this accumulation of funds as the required down payment for the home purchase at the end of the contract. You would then agree to purchase the home after 2 or 3+ years, at the agreed price. You would then be a proud home owner. This agreement is a win/win for you…getting you into your own home sooner by being able to select your home now rather than waiting, and helping you save for the required down payment

What’s Next?

*Subject to approved credit, income verification and meeting lending credit granting criterea. Applies to residential mortgages only and some conditions may apply. O.A.C., E.O.E All content is subject to change without notice.
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Client Testimonials

Excellent service, great rates and attention to detail. You walked us through everything so there were no surprises at all. Were grateful that we found your services! Highly recommended for sure.
Karen and Jeff, Company Name
We wanted to get a mortgage through our bank but came across your website on the internet. Are we ever glad we did. We saved literally tens of thousands of dollars and the whole experience was a breez..
Dan and Cindy, Company Name


  • Address: 2480 St. Clair Ave Toronto Ontario M6N 1L3
  • Phone Number: (416) 274-7414
  • Fax Number: (647) 499-6640