{"id":2924,"date":"2021-04-13T12:21:53","date_gmt":"2021-04-13T17:21:53","guid":{"rendered":"https:\/\/northeast.ml\/?page_id=2924"},"modified":"2026-04-06T18:18:11","modified_gmt":"2026-04-06T23:18:11","slug":"bad-credit-mortgage","status":"publish","type":"page","link":"https:\/\/solutionshypotheques.ca\/en\/bad-credit-mortgage\/","title":{"rendered":"Bad Credit Mortgage"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2924\" class=\"elementor elementor-2924\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0423e09 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0423e09\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-98ff8d7\" data-id=\"98ff8d7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-62cbf5f elementor-widget elementor-widget-html\" data-id=\"62cbf5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p>\n    If you are looking to get a bad credit mortgage, it might be for one of the 3 following reasons:\n<\/p>\n<ul>\n    <li>\n    A history not making your debts payments on time;\n    <\/li>\n    <li>\n\tYou have filed for bankruptcy or you have recently been discharged from a bankruptcy; and\/or\n    <\/li>\n    <li>\n You have filed for a consumer proposal or you have recently been discharged from a consumer proposal.\n    <\/li>\n<\/ul>\n<b>Homeowner and a bad credit <\/b>\n<p>\n    For the homeowner looking for a bad credit mortgage due to a history of not making debt payments on time, there is always the possibility of refinancing with an B lender to help with your current situation. Depending on your needs, your income, and the equity on your property, we can get you a bad credit mortgage to refinance and pay your debts and, consequently, fix your credit. If that does not work, we can get you a second mortgage to answer the same needs but at a higher interest rate. Even if the interest rate might be slightly higher then an alternative B lender, it would then save you money at the end of the month and help improve your credit. At the end of your 1- or 2-year term with the B lender or 2nd mortgage loan, you would be in a position to refinance with a traditional A credit lender. The whole point of getting a bad credit mortgage is that you are always moving forward in life, one step at a time! \n<\/p>\n<b>Homeowner who has filed or been discharged from bankruptcy<\/b>\n<p>\n    If you are a homeowner who has just filed for bankruptcy and not yet been discharged, only a private lender will be able to finance you. You will need to have anywhere between 25% to 35% equity in your property or more. If you have been discharged from bankruptcy, it will depend on which lenders were included in your bankruptcy. You might not be able to refinance with a standard lender just yet therefore we might have to transition you to a B lender for a 12\u201324-month term for you to re-establish your credit. Again, this is done only if you need to refinance and get a bad credit mortgage to pay off debts, do repairs on your property or to consolidate all your debts into one \npayment.\n<\/p>\n<b>Homeowner currently in Consumer proposal<\/b>\n<p>\n    If you are a homeowner who is currently in a consumer proposal, you might need to wait a minimum of 12 months before being able to transition to a B lender.  They may consider refinancing you to pay of off your consumer proposal. Again, equity is the name of the game and they will lend you 65% to 75% of the value of your home. Once the refinancing is complete, you will have a 1-to-2-year term with them and then we transfer back to a regular lender. The strategy is always step by step.\n<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ebaa77a elementor-widget elementor-widget-video\" data-id=\"ebaa77a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/xA85JeQwFe8&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b7d6d68 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b7d6d68\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4a36435\" data-id=\"4a36435\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-77d9c11 elementor-widget elementor-widget-html\" data-id=\"77d9c11\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"row strategy-cta d-flex align-items-md-baseline\">\r\n\t<div class=\"col-12 col-md-3 text-center\">\r\n\t\t<img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/04\/home_value_1.png\" class=\"cta-img\" alt=\"\">\r\n\t\t<h3>Home Value<\/h3>\r\n\t<\/div>\r\n\t<div class=\"col-12 col-md-1\">\r\n\t\t<img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/04\/minus.png\" class=\"operator\" alt=\"minus\">\r\n\t<\/div>\r\n\t<div class=\"col-12 col-md-4 text-center\">\r\n\t\t<img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/04\/amount_owing.png\" class=\"cta-img\" alt=\"\">\r\n\t\t<h3>Amount Owing on Your Mortgages<\/h3>\r\n\t<\/div>\r\n\t<div class=\"col-12 col-md-1 p-0\">\r\n\t\t<img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/02\/equals.png\" class=\"operator\" alt=\"equals\">\r\n\t<\/div>\r\n\t<div class=\"col-12 col-md-3 text-center\">\r\n\t\t<img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/04\/home_equity_1.png\" class=\"cta-img\" alt=\"\">\r\n\t\t<h3>Equity<\/h3>\r\n\t<\/div>\r\n<\/div>\r\n\r\n<div class=\"row strategy-cta d-flex align-items-md-baseline\">\r\n\t<div class=\"col-12 col-md-3 text-center\">\r\n\t\t<img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/04\/home_equity_1.png\" class=\"cta-img\" alt=\"\">\r\n\t\t<h3>Equity<\/h3>\r\n\t<\/div>\r\n\t<div class=\"col-12 col-md-1\">\r\n\t\t<img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/02\/plus.png\" class=\"operator\" alt=\"plus\">\r\n\t<\/div>\r\n\t<div class=\"col-12 col-md-4 text-center\">\r\n\t\t<img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/02\/strategy.png\" class=\"cta-img\" alt=\"\">\r\n\t\t<h3>The Right Strategy<\/h3>\r\n\t<\/div>\r\n\t<div class=\"col-12 col-md-1 p-0\">\r\n\t\t<img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/02\/equals.png\" class=\"operator\" alt=\"equals\">\r\n\t<\/div>\r\n\t<div class=\"col-12 col-md-3 text-center\">\r\n\t\t<img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/02\/financial_success.png\" class=\"cta-img\" alt=\"\">\r\n\t\t<h3>Financial Success!<\/h3>\r\n\t<\/div>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-24e447e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"24e447e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e17272f\" data-id=\"e17272f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c05ce00 elementor-widget elementor-widget-text-editor\" data-id=\"c05ce00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Tenant looking for homeownership.<\/strong><\/p><p>If you are a tenant looking for a bad credit mortgage, there are options available.<\/p><p>If you are currently in a bankruptcy or consumer proposal only a private lender will be able to finance, you.<\/p><p>If you have been discharged, then a B lender might be your best option depending on your area and your down payment. If the area is not serviced by a B lender and\/or you have slightly less than 25% for a down-payment, a rent to own program might be a good option.<\/p><p>Regardless of whether you need a private lender or B lender you will need to have at least a 25% down payment, good incomes and the need to buy a property within the greater region of Montr\u00e9al to have access to them.<\/p><p>Rates range from 10 to 12% interest-only payments with a private lender, and they\u2019re usually used only for a 1-year term to get your foot in the door and then your file is transferred to a bank or B lender.<\/p><p>With a B lender, the rates begin at around 3.49% to 6.99%, depending on credit history, down payment, location of the property and your employment income. They are also a considered short-term lender as most clients only need to stay with them for 1 or 2 years to increase their credit score high enough to be eligible for a traditional A mortgage lender.<\/p><p>Again, if after studying your file, we are unable to get you a bad credit mortgage, we can always consider a lease purchase option.<\/p><p>For more information, or to take the first step towards resolving your situation, complete our <a href=\"\/en\/online-application\/\"><span style=\"text-decoration: underline;\"><strong>online form<\/strong><\/span><\/a> right now! You will be glad you did!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ebb2baf elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget__width-auto elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"ebb2baf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"tel:18887085576\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"1-888-708-5576\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-phone-volume\"><\/i>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"tel:18887085576\" >\n\t\t\t\t\t\t\t1-888-708-5576\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/span>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-331f07a elementor-widget elementor-widget-video\" data-id=\"331f07a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/Dh7RULpxzEg &quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c87b8bb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c87b8bb\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ea90095\" data-id=\"ea90095\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-354b563 sec-title centred elementor-widget elementor-widget-heading\" data-id=\"354b563\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">3 Simple Steps &mdash; 24 Hour Approval<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6c4abb sec-title elementor-widget elementor-widget-heading\" data-id=\"d6c4abb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Easy Application<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-815d204 elementor-widget elementor-widget-fionca_team\" data-id=\"815d204\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"fionca_team.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t <!-- team-section -->\r\n\t\t <!-- team-section -->\r\n\t<section class=\"team-section team-page\">\r\n\t\t<div class=\"auto-container\">\r\n\t\t\t<div class=\"row clearfix\">\r\n\t\t\t\t\t\t\t \r\n\t\t\t\t<div class=\"col-lg-4 col-md-4 col-sm-12 team-block\">\r\n\t\t\t\t\t<div class=\"team-block-one\">\r\n\t\t\t\t\t\t<div class=\"inner-box\">\r\n\t\t\t\t\t\t\t<figure class=\"image-box\"><img decoding=\"async\" src=\"https:\/\/solutionshypotheques.ca\/wp-content\/uploads\/2026\/04\/application_bg.jpg\" title=\"How to get private mortgage financing\" alt=\"Private mortgage financing\" loading=\"lazy\" \/><\/figure>\r\n\t\t\t\t\t\t\t<div class=\"lower-content\">\r\n\t\t\t\t\t\t\t\t<div class=\"ovellay-box\">\r\n\t\t\t\t\t\t\t\t\t<i class=\"fas fa-edit\"><\/i>\r\n\t\t\t\t\t\t\t\t\t<h3>1. Apply Online<\/h3>\r\n\t\t\t\t\t\t\t\t\t<span class=\"designation\">Use the form on this page or call <a style=\"color: #E7B43A; white-space: nowrap;\" href=\"tel:18887085576\">1-888-708-5576<\/a> to speak to one of our representatives.<\/span>\r\n\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t \r\n\t\t\t\t<div class=\"col-lg-4 col-md-4 col-sm-12 team-block\">\r\n\t\t\t\t\t<div class=\"team-block-one\">\r\n\t\t\t\t\t\t<div class=\"inner-box\">\r\n\t\t\t\t\t\t\t<figure class=\"image-box\"><img decoding=\"async\" src=\"https:\/\/solutionshypotheques.ca\/wp-content\/uploads\/2021\/02\/approval_bg.jpg\" title=\"approval_bg\" alt=\"approval_bg\" loading=\"lazy\" \/><\/figure>\r\n\t\t\t\t\t\t\t<div class=\"lower-content\">\r\n\t\t\t\t\t\t\t\t<div class=\"ovellay-box\">\r\n\t\t\t\t\t\t\t\t\t<i class=\"fas fa-check\"><\/i>\r\n\t\t\t\t\t\t\t\t\t<h3>2. Get approved<\/h3>\r\n\t\t\t\t\t\t\t\t\t<span class=\"designation\">Approved within 24 hours. Your home equity is the key to your approval. Get approved now!<\/span>\r\n\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t \r\n\t\t\t\t<div class=\"col-lg-4 col-md-4 col-sm-12 team-block\">\r\n\t\t\t\t\t<div class=\"team-block-one\">\r\n\t\t\t\t\t\t<div class=\"inner-box\">\r\n\t\t\t\t\t\t\t<figure class=\"image-box\"><img decoding=\"async\" src=\"https:\/\/solutionshypotheques.ca\/wp-content\/uploads\/2021\/02\/funding_bg.jpg\" title=\"funding_bg\" alt=\"funding and credit mortgage\" loading=\"lazy\" \/><\/figure>\r\n\t\t\t\t\t\t\t<div class=\"lower-content\">\r\n\t\t\t\t\t\t\t\t<div class=\"ovellay-box\">\r\n\t\t\t\t\t\t\t\t\t<i class=\"fas fa-dollar-sign\"><\/i>\r\n\t\t\t\t\t\t\t\t\t<h3>3. Get your funding<\/h3>\r\n\t\t\t\t\t\t\t\t\t<span class=\"designation\">We make it easy. Loan funds can be deposited directly into your bank account, once approved.<\/span>\r\n\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t<div class=\"auto-container text-center\">\r\n\t\t\t<div class=\"btn-box\"><a href=\"\/en\/online-application\/\" class=\"mt-4 theme-btn style-one\">Apply Now<\/a><\/div>\r\n\t\t<\/div>\r\n\t<\/section>\r\n\t<!-- team-section end -->\r\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>If you are looking to get a bad credit mortgage, it might be for one of the 3 following reasons: <span>&#8230;<\/span><\/p>\n","protected":false},"author":7,"featured_media":2933,"parent":0,"menu_order":2,"comment_status":"closed","ping_status":"closed","template":"single-services.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-2924","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Refinance Home Mortgage Bad Credit | North East<\/title>\n<meta name=\"description\" content=\"Struggling with bad credit? Explore mortgage refinancing with B lenders to manage your debt and stabilize your financial future.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/solutionshypotheques.ca\/en\/bad-credit-mortgage\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Refinance Home Mortgage Bad Credit | North East\" \/>\n<meta property=\"og:description\" content=\"Struggling with bad credit? 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