Advice from our mortgage credit qualification guide for buyers with bad credit, unique income situations, or past financial challenges.
If your credit isn’t exactly where you want it to be, getting a mortgage might feel like a long shot. I hear this all the time. But here’s the reality in 2026, plenty of Calgary buyers with bad credit are still getting approved. It just takes the right approach. There are lenders out there who…
A Straightforward Guide for Alberta’s Self-Employed Homebuyers If you’re self-employed and looking to buy a home in Calgary, you’ve probably asked yourself: “Can I get a mortgage if I’m self-employed in Calgary?” The short answer is yes — and many self-employed Calgarians do every year. The key? Being prepared. You’ll need to show a few…
So, your credit isn’t perfect—and you’re wondering if that puts homeownershipout of reach in Calgary. It doesn’t. Every week, we help people with scores under 600 get into homes, rebuild theircredit, and start fresh. You don’t need a spotless financial history—you just needthe right plan, the right lender, and someone in your corner who knows…
Posted in Mortgage News: If you’ve been unfortunate enough to go through a bankruptcy or consumer proposal, and need to apply for a mortgage loan to purchase a property, you’ll find that it might be a lot tougher than you anticipated. Around 100,000 Canadians apply for bankruptcy or a consumer proposal every year, and this…
Posted in Mortgage News: When you make a late payment or default on a loan, the lender reports this to the credit bureaus. That information becomes part of your credit report and can influence future lending decisions. If you’re applying for a mortgage and have bad credit, it can affect your ability to get approved—but…
Posted in Mortgage News: Do you dream of owning your own home, but worry that a poor credit score will make that dream impossible? Fortunately, even if your credit is bruised or less than perfect, there are still options available and while you may not have access to as many mortgage products as someone with…
Posted in Mortgage News: Getting approved for a mortgage in Canada isn’t always straightforward. If you’re facing challenges with income, credit, or passing the mortgage stress test, having a co-signer could be the boost you need. Here’s a closer look at how co-signing works, when it makes sense, and what you should consider before moving…
Poor credit doesn’t have to mean saying goodbye to your dream of homeownership. In fact, more Canadians than ever are qualifying for bad credit mortgage loans — and there are real options available if you know where to look and how to prepare. Whether your credit history includes late payments, collections, or a bankruptcy, this…
