Ontario Home Purchase Mortgage Solutions

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.

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.

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.

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.

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.

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.

Yes. A private refinance can immediately pay arrears and stop a power of sale or foreclosure, preserving your ownership before the process completes.

These progress draw loans release funds in stages as work is completed. Private lenders simplify approvals and financing for custom builds or major renovations.

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.