Bad Credit
Mortgages
Your credit score doesn't define your future. Sam Sethi has helped hundreds of Canadians with bruised credit secure mortgage approval and buy the home they deserve.
We Get Approvals When Others Say No
Bad Credit Doesn't Mean
No Mortgage
Sam works with a full spectrum of lenders — from major banks to B-lenders and private investors — ensuring there's always a path to homeownership, regardless of your credit history.
A Lenders (Banks)
For credit 680+. Best rates, best terms. Sam tries A-lenders first for every client.
B Lenders
For credit 550–680. Competitive rates for those with some credit challenges or non-traditional income.
Private Lenders
For any credit score. Approval based on equity. Short-term bridge to rebuild toward A or B lender.
Who We Help
- Clients who have been turned down by banks
- Bankruptcy or consumer proposal discharged
- Late payments, collections, or judgments on credit file
- Newcomers to Canada without established credit history
- Self-employed with non-traditional income documentation
- Clients who had a divorce or financial hardship
- Recent job change or gap in employment history
Sam's Credit Recovery Plan
Free Credit Review
Sam reviews your full credit report and identifies every issue affecting your score.
Immediate Approval Strategy
Sam finds the best available mortgage for your current situation — A, B, or private.
Credit Improvement Plan
A personalized 12–24 month plan to improve your score and graduate to better rates.
Refinance at Better Rates
Once your credit improves, Sam refinances your mortgage to the best conventional rate available.
Ready to Get
Approved?
No judgment, no pressure. Sam reviews every situation personally with complete discretion.