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1.844.ASK.ACCESS

Bad Credit Mortgage Toronto

Having bad credit does not necessarily mean that you are unable to successfully apply for a mortgage. A great many Canadians come to Access Mortgage with poor credit and we have been able to set them up with exactly the type of mortgage that they require.

Access Mortgage can help secure your first mortgage with ease. Even if your credit history includes bankruptcies we are able to provide you with the tools you need to seek out a brighter future. For the self-employed or recent immigrants who have found difficulty in securing a mortgage that meets your needs – look no further. Mortgage Access can offer you a first and possible second mortgage. Everyone’s circumstances are unique to them. We understand this and will endeavor to provide the best service to you.

Down payments are a very common requirement for mortgages. They are an even more common obstacle. Most lenders request a 15% down payment in advance from potential homeowners. This is sometimes greater should the applicant have poor credit.

The onus is on the applicant to provide proof of income.Unfortunately this is not always easy for self-employed individuals. It is worth noting though that income requirements become less rigid as the down payment amount increases.

The property in question must be in good condition and be considered to have value on the market. This is so that if the borrower defaults the lender can recover any loss incurred. For the borrower living in an urban area this is actually an advantage as the demand for homes is higher.

The quality of an individual’s credit rating for a bad credit mortgage varies greatly. Lenders may require that debts are paid off prior to acceptance. Another common way around bad debt is to provide a down payment of 20% or more of the principle. The Access Mortgage team will establish your credit situation and provide the best solution for you.

WHAT PEOPLE ARE SAYING…

  • Matthew and his team are the best mortgage team I have ever worked with. They are extremely hard working and bend over backwards to get the job done no matter how complicated or difficult. If there is a way – they will find it. And it will be in YOUR favor. Matthew goes out of his way to set you on a path of success. This is our second mortgage process we have gone through with Matthew, and we are in a better position now than we were the 1st time – all due to Matthews efforts and guidance. After following his recommendations and guidance over the next year we will use Matthew again for our next mortgage and be in an even better position then. If you need a mortgage done, no matter how complicated, call Matthew. He’ll make it happen.

    C.H. - ST. CATHARINES, ON
  • Matthew and his team are the best mortgage team I have ever worked with. They are extremely hard working and bend over backwards to get the job done no matter how complicated or difficult. If there is a way – they will find it. And it will be in YOUR favor. Matthew goes out of his way to set you on a path of success. This is our second mortgage process we have gone through with Matthew, and we are in a better position now than we were the 1st time – all due to Matthews efforts and guidance. After following his recommendations and guidance over the next year we will use Matthew again for our next mortgage and be in an even better position then. If you need a mortgage done, no matter how complicated, call Matthew. He’ll make it happen.

    M.Z. Brantford, ON
  • Matthew’s knowledge, experience and above and beyond work ethic sets an exemplary standard of professionalism and accountability. His integrity and drive is second to none… He truly is a miracle worker!! I have no hesitation in recommending his services to anyone seeking expert assistance. I’m beyond grateful and blessed!!

    M.D., BINBROOK, ON
  • I can’t say enough how great your company has been. Matthew, thank you so much for making all of this process so easy for us. Our bank would not help us and you were amazing. Your company kept us informed every step of the way, and not once were we made to feel inferior like our bank did. The lawyers you set us up with were also awesome. I will highly recommend your company to anyone looking for mortgages. Thank you so much for getting creditors off or back and setting us on the right track. You guys are all amazing. I’m also so impressed that you came to us do to everything.

    KKP, Hamilton, ON
  • I just want to say ‘thank you’ to all of you, especially Matthew. The financial stress started affecting my health and my life. I could not sleep or focus at work. Now it has given me control on my life by connecting me to a great lender. I have gone from being full of stress to being stress-free.

    M.D, Mississauga, ON
  • We would like to thank Matthew and his team. We put a lot of money down on a Rent to Own property that we were renting, but we could not get anyone to help us out till we found Mathew. He made it happen and closed on time when no one else could. From all of us here THANK YOU! We now own our own house!

    C.T., Hamilton, ON
  • Thank you for all the help that you gave me, most patiently and with deep understanding. I was very comfortable asking you everything and anything. Your team did great job in making me understand the financial side. I have learnt a lot. Thanks to Matthew for taking time to come to my place. He not only did his work, but for a short time, took me back to most nostalgic memories of my life, before I came to Canada. I am also grateful to the lawyer for coming to my place to meet with me, and quickly closing the mortgage and releasing the funds.

    S.S. - Mississauga, ON