Getting a Mortgage with Bad or Poor Credit

Mortgages and Financing Designed Around You

Bad or Poor Credit Mortgages.

Do you have bad or poor credit and are trying to get a mortgage but it's proven to difficult? We can help.

Has your bank declined to finance your mortgage due to you having  bruised or poor credit?

The Big Banks in Canada follow a stringent approach to mortgage lending based on credit score and Gross Debt/Total Debt Ratios. Most people in the GTA and Ontario are unaware of the fact that banks are not the only mortgage lenders they can choose from. We can work with alternative lenders who approve borrowers for mortgages regardless of their credit.

Alternative lenders understand that unforeseen life events & decisions made in the past can sometimes harm one’s credit rating. We have helped many peoples who after being declined by their financial institution felt they had no choice but to sell their house.

What's Next?

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First time buyer or refinancing? Call for a free quote!

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We shop for the best mortgage option at no charge to you.

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Mortgage Calculators

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Our Trusted Lenders

  • Alterna
  • ATB Financial
  • B2B Bank
  • Bridgewater
  • Canadiana
  • CMLS Financial
  • Equitable Trust
  • First Ontario
  • Home Trust
  • ICICI bank
  • Industrial Alliance
  • ING
  • Manulife Bank
  • MCAP
  • Merix
  • Meridian
  • Optimum
  • Prospera
  • RMG Mortgages
  • Scotiabank
  • Street Capital
  • TD Canada Trust
  • Valley First
  • Vancity
  • Wealthline
  • Westminster Savings
  • XCEED
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Hi, How can I help you?

Leading Mortgage Broker in Guelph and surrounding areas since 1986. Paul Gazzola and the Guelph Mortgage Architects Team specialize in purchases, renewals, refinances, investment properties, first time home buyers, new to Canada, debt consolidation, those going through a separation or divorce, bruised credit repairs, second homes, vacation homes and all other financing needs. This team has access to over 50 mortgage lenders and institutions, including the big banks, credit unions, trust companies and monoline lenders. At Paul Gazzola - Guelph Mortgage Architects, the best and lowest mortgage rate with a tailored product to your unique situation is always prioritized and explained so that clients can make a well-informed decision about their financing needs.