1-800-609-9830 · Rick Bettencourt, Mortgage Broker · Lic# M11002425

Banks Turned Down Your Mortgage Application?

We Can Help. Whether you’re buying or refinancing, we can find the right mortgage for you.

We offer mortgage and refinancing services across Ontario.

We have access to numerous lenders, institutional and private. Many provide 1st, 2nd & 3rd mortgages even for clients in the following situations:

  • Self-Employed
  • Mortgage Arrears
  • Pension & Disability
  • Property Tax Arrears
  • Bankruptcy
  • No Financials
  • Unemployed
  • Poor Cashflow

Second Mortgages

Banks today are increasingly refusing to renew mortgages because of poor history of repayment or financial blemishes. Let us help you avoid these situations. There are many reason that people find themselves looking for a bad credit mortgage in Canada. We can help. We specialize in bad credit mortgage lending.

Debt Consolidation

Your debt relief can be achieved through a debt consolidation mortgage. It will help you spend less on servicing your debt while helping you repair your credit score and stop those creditors from harassing you. By combining your multiple debts into one low monthly payment, you can transform your high interest debt into a lower rate loan.


The mortgage industry is constantly changing. For that reason it is very important for you to re-evaluate your current mortgage on an annual basis. The market is continually changing and new products are being introduced all the time, so what may have been a perfect fit a short time ago may not be today. If current interest rates or other mortgage variables have changed since your original mortgage you should compare the costs of refinancing to the amount of money you could save.

Power of Sale / Foreclosure

In a power of sale the lender does not take title to the property. The lender does have the right to sell the property. Any remaining funds will go to the home owner. In the case of a foreclosure the mortgage holder will take title to the property. The property owner will receive no money once the house is sold. The foreclosure process is also much more expensive and time consuming than a power of sale. A foreclosure is less common in Ontario. Like a power of sale, foreclosure allows the mortgage lender to sell your property, as well as get ownership. Our experts can stop the foreclosure process.

Bad Credit Mortgages in Ontario Approved Fast!