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Challenging credit and mortgage

Guides for mortgages after refusal, bankruptcy, consumer proposal, high debts, late payments, collections and damaged credit.

10 results

Financing

Bad credit mortgageWith damaged credit, recent late payments weigh more than the score. What can be fixed fast, and what takes months.High debt mortgageWith heavy debts, your ratios after repayment are what count. Here is how a lender recalculates them.Mortgage after bankruptcyAfter a bankruptcy, the file turns on the time since discharge and the credit you have rebuilt since, not on the bankruptcy itself.Mortgage after consumer proposalAfter a consumer proposal, time since discharge and the credit you have rebuilt since decide which lenders accept the file.Mortgage with collectionsA collection account usually has to be settled before funds are released. What lenders require, and the order to act in.Mortgage with recent late paymentA recent late payment weighs far more than an old one. What lenders actually look at, and how to steady the file again quickly.Renewal with damaged creditWith damaged credit, your bank can renew without requalifying. Switching lenders reopens the file. What to weigh.

Services

Credit rebuildingDocument recent payments, bring balances down and pick a lender that accepts your credit profile.Mortgage after bank refusalAfter a bank declines, the exact reason decides whether the fix takes weeks or calls for a different lender.

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