Oakville Bad Credit Mortgage Specialists
Approval strategies when banks say no
Chat Today, Avoid DeclinesNo-hassle, No-obligation. Your info is safe, and you’re in control.
We work with clients from all across Ontario including, Oakville, Burlington, Mississauga, Milton, Hamilton, Oshawa, Brampton and all points in between.
Our Ontario Mortgage Lending Advantage
Fast & Easy
Lending Approvals
Low Rates
Some of the lowest rates in Ontario
98%
would recommend us
No-Obligation
free, no-hassle conversation
Trusted by 1,100+ homeowners, just like you, from across Ontario
From bruised credit score to the keys to your own home. We're here to help the people of Oakville and the GTA with getting the mortgage they deserve.
Life happens, missed visa payments, an unexpected job loss, or an unexpected separation can drag a credit score below the bank-friendly line. That does not mean homeownership in Oakville is off the table. Our mortgage team specializes in bruised credit mortgages that pair flexible lenders with a clear roadmap to recovery.
We start with a confidential review of your credit bureau and income. Then we match you with Oakville and GTA alternative or private lenders who focus on current stability, not just past bumps. Whether you are eyeing a condo near Kerr Village or a townhouse in River Oaks, we negotiate rates and terms that fit your reality today while positioning you to refinance with a prime lender in 12 to 24 months.
Down-payment requirements can be higher, often ten to twenty percent, but we outline ways to leverage gifted funds, RRSP withdrawals, or equity from a family cottage. We also design a credit-repair plan: automatic bill payments, secured credit cards, and balance-mix tweaks that can lift scores by 60+ points before renewal time rolls around.
Every step is transparent. We share the full cost of appraisals, lender fees, and legal work up front, so there are no surprise cheques on closing day. Most important, we keep future flexibility in mind, no oppressive penalties or hidden clauses that trap you at renewal. Because the goal is not just to get approved, it is to graduate back to the lower rates as fast as possible.
Inquire Today, Rebuild TomorrowFAQs for Bad Credit Mortgages in Oakville, Ontario
Can we get a mortgage in Oakville with a 580 credit score?
Yes it might be possible. We work with alternative lenders who consider job stability, down payment size, and overall debt ratio alongside the score. Many of our clients close with scores in the high 500s.
Will a bruised credit mortgage cost much more?
Rates are higher than prime bank offers, typically one to three percent above. We structure a short term, often two years, so you can refinance into lower rates once your credit rebounds.
How can we improve our score before renewal?
We create a tailored plan: pay credit cards below 30 percent limit, add a secured card, and set automatic payments on utilities. Most Oakville clients see a meaningful jump within twelve months.
Do private lenders operate in Oakville?
Absolutely. We maintain a roster of GTA-based private lenders comfortable with Halton Region properties. They move quickly—some approvals land within 48 hours when closing timelines are tight.
Will we need a larger down payment with bad credit?
Yes, expect ten percent minimum and sometimes twenty depending on score and property type. We help you document gifted funds and savings so the lender sees a strong equity position.
Please note: it’s always best to get in touch with us so we can answer your specific questions and provide 100 percent accurate information for your situation.
Our Ontario Mortgage Service Areas
Oakville | Burlington | Mississauga | Milton | Hamilton, Oshawa, Brampton and all across Ontario!