Bad credit mortgage rates in Canada.
Today’s best A-market 5-year fixed is 3.94% and variable 3.60%. Bruised credit means a premium, not a closed door — B-lenders price roughly +75-150 bps over A. We map your exit back to A-pricing in 12-24 months and shop 100+ lenders, no judgment.
Bad credit means a premium, not a refusal. B-lenders price roughly +75-150 bps over the A-market rate (today ~3.94%) with about a 1% fee; private firsts price higher again. Because this is equity-based lending, your down payment matters more than your score — and we map a documented exit back to A-pricing in 12-24 months. No bureau pull, no judgment.
What rate can you get with bad credit?
Bruised credit prices at a premium, not a refusal. A B-lender typically sits roughly 75-150 bps over a comparable A-rate, often with a lender fee around 1%. A private first prices higher again, plus lender and broker fees — and every one of those costs is disclosed in writing before you sign. This is equity-based lending, so your down payment or existing equity does more to set the rate than the bureau score does.
The premium is real, but it’s a bridge. Re-establish two clean tradelines, keep every payment current, and most files refinance to A-pricing in 12-24 months — where many borrowers save more than they ever paid in the premium. We map that A-lender exit from day one, then shop your file across 100+ lenders with no judgment to find the lowest real cost. See how the product works on our bad-credit mortgage page, or read the private mortgage breakdown if equity is your fastest path.
A path for every credit situation
Bankruptcy, consumer proposal, CRA debt, or just a low score — there's an equity-based path, with a plan back to A-pricing.
Bad-credit mortgage
How equity-based approvals work when the bureau score is low.
Private mortgage
When equity is your fastest path — funded in days, fees disclosed.
After a proposal
A mortgage path during or after a consumer proposal.
After bankruptcy
Re-establish and finance once you're discharged — we map the steps.
Rebuild your score
The two clean tradelines that get you back to A-pricing.
CRA debt
Owe the CRA? There's still a path — we place it and plan the exit.
6 things to know about bad-credit mortgage rates
Why a bruised score is a premium, not a closed door — and how the exit works.
A premium, not a refusal
Bruised credit prices at a premium — B-lenders run roughly 75-150 bps over A with a ~1% fee. The door isn't closed; the cost is a bridge.
Equity beats the score
Non-prime and private lending is equity-based: your down payment or existing equity drives the approval and pricing far more than the bureau number.
We map your exit to A
Re-establish two clean tradelines, keep payments current, and most files refinance to A-pricing in 12-24 months — often saving more than the premium ever cost.
100+ lenders, no judgment
We shop B-lenders, MICs and private firsts across the network to find the lowest real cost for your situation — with no bureau pull to start.
Every fee disclosed in writing
Lender and broker fees on B and private files are all disclosed up front, so you compare the all-in cost on real numbers before you commit.
A plan, not just a placement
We don't just get you in — we build the credit-rebuild milestones and line up the refinance so the bridge has a clear end date.
Why finance with us, no judgment
- Equity-based approvals across 100+ lenders — B-lenders, MICs, and private firsts.
- A mapped exit to A-pricing in 12-24 months built in from day one.
- Every fee disclosed in writing — no surprises, no judgment.
- FSRA #13737 · no bureau pull to start · best real cost for your file.