Buy A Home Again
Explore purchase financing based on your down payment, the property and your circumstances after bankruptcy.
Franco Manzo | Trillium Mortgage | Mortgage Broker License #M08007466 | Broker License #11396 | Level 2
Mortgage Solutions After Bankruptcy
Fast Approvals
No Re Established Credit
15 To 20 Percent Down
Self Employed Accepted
- IMMEDIATE APPROVALS AFTER BANKRUPTCY DISCHARGE
- NO RE ESTABLISHED CREDIT HISTORY REQUIRED
- 15 TO 20 PERCENT DOWN PAYMENT ACCEPTED
- INCOME FLEXIBILITY FOR SELF EMPLOYED BORROWERS
- PRIVATE LENDERS APPROVING DEALS IN 24 TO 48 HOURS
Apply now for private mortgage solutions after bankruptcy in Ontario
Ontario Mortgage Options
A Mortgage After Bankruptcy
Buying a home or refinancing after bankruptcy? Your credit history is only part of the picture. Private lenders also review your property, equity or down payment, and how you’ll manage the mortgage.
- Fast private lender reviews
- Options before credit is re-established
- Self-employed income considered
- Residential, rural and commercial properties
What Can Help You Qualify?
Bankruptcy doesn’t automatically rule out a mortgage. We review your situation and approach private lenders suited to the property and the financing you need.
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Property & Down Payment
Property value, available equity and a stronger down payment can improve your options.
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Bankruptcy Discharge
A recent discharge may still leave you with private mortgage options.
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Your Closing Date
Have a deadline? Tell us when you need financing so we can review the file promptly.
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Income Documentation
Self-employed or non-standard income can be reviewed outside traditional bank requirements.
Find Your Next Step
You may have financing options sooner than you expect. Speak with a broker before putting your plans on hold.
Client Reviews
Reviews From Trillium Mortgage Clients
See what Ontario borrowers have shared about their experience working with Trillium Mortgage for private lending, refinancing, equity based mortgages, and complex approval situations.
Frequently Asked Questions
Ontario Private Mortgage Questions Answered
Can I get a mortgage in Ontario with bad credit?
Yes. Even with poor credit or collections, you can qualify through private mortgage lenders who base approvals on your home equity, not your credit score. These lenders focus on property value and location instead of your credit history.
Get StartedCan I refinance my home if I have mortgage arrears or unpaid taxes?
Yes. A refinance or home equity take out can pay off arrears, CRA debts, or property taxes and stop a power of sale before it progresses.
Get Started With A Free ConsultationWhat’s the difference between a private lender and a bank?
Banks rely on strict credit and income criteria. Private lenders use equity based lending, focusing on property value, location, and loan to value ratio, allowing flexible approvals when banks say no.
Get Started With A Free ConsultationCan I get approved for a mortgage in Ontario with bad credit or self employed income?
Yes. Private and alternative lenders use equity based lending, meaning your approval depends on your property’s value and available equity rather than your credit score or income verification.
Get Started With A Free ConsultationWhat documents are needed for an equity based mortgage?
You’ll typically need property details, recent mortgage statement, property tax bill, and valid ID. Income proof is optional because your property’s equity determines approval.
Get Started With A Free ConsultationHow does a HELOC differ from a refinance?
A Home Equity Line of Credit gives you revolving access to funds, while a refinance provides a single lump sum payment from your home’s equity.
Get Started With A Free ConsultationCan a private mortgage stop a power of sale?
Yes. A private refinance can immediately pay arrears and stop a power of sale or foreclosure, preserving your ownership before the process completes.
Get Started With A Free ConsultationHow do private construction or renovation mortgages work?
These progress draw loans release funds in stages as work is completed. Private lenders simplify approvals and financing for custom builds or major renovations.
Get Started With A Free ConsultationCan I get a commercial mortgage in Ontario with bad credit?
Yes. Trillium Mortgage regularly secures commercial mortgages for business owners and investors with bad credit or past financial challenges. We arrange financing for multi unit, retail, office, and industrial properties even if banks have turned you away. Every deal is structured to rebuild your credit while keeping your business moving forward.
Get Started With A Free Consultation