Bad Credit Mortgages in Vancouver and surrounding
British Columbia
Bad credit mortgages in BC are required in situations where your credit may be less than perfect . A no income, bad credit mortgage, second mortgage or home equity loan may be an option. These mortgages are available through different lending sources including Credit Unions, Trust Companies, Alternative Lenders, B Lender and Private Lenders.
Mortgages are available to those that have less than perfect credit, poor credit, fair credit or bad credit. Approvals are based on the appraised value of your property and not your credit score. If you have bad credit or poor credit, you can still get approved.
We are able to provide refinancing up to 80% of the appraised value of your home, depending on your home location. If you Bad Credit and have equity in your home, we can help access it and get you approved on a mortgage . Rates and fees are based on the overall application, location, loan amount and risk.
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When we look at approving Bad Credit Mortgages, we base the Mortgage Approval on the Equity left in your home and not your credit. You can use this Bad Credit Mortgage approval to consolidate debts, pay out collections, pay of CRA debts, renovate your home or anything else you wish. We work with you to improve your Bad Credit so that you can get a mortgage through a bank or credit union down the road.
Although good credit is advised in every mortgage loan situation, it is not required to be able to obtain a bad credit mortgage in BC. We can help by reducing your stress and working on getting you back on track.
- Up to 80% loan-to-value depending on location
- No proof of Income required
- Based on equity left in home, not credit
- Bad Credit, Poor Credit and other Credit Accepted
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604-980-5459