Credit Repair Solutions to Help You Secure Your Mortgage
Quick answer
Quick answer (Canada): You can qualify for a mortgage with bruised credit when income, equity, and payment history support the file. Common steps include cleaning up collections, consolidating high-interest debt, adding a co-borrower, or using an alternative lender today with a plan to refinance back to prime later. We package once and make lenders compete while you rebuild.
See: Debt Consolidation Calculator · Mortgage Payment Calculator · Mortgage Penalties Guide · Pre-Approval Guide
Learn about credit reports and scores from the Financial Consumer Agency of Canada (FCAC).
Credit challenges happen. At Genesis Group, we build a clear plan to strengthen your file and get you approved with confidence. We compare 100+ lenders across banks, credit unions, and alternative programs, then map the fastest route back to prime rates.
Credit Roadblocks, Clear Genesis Solutions
- Late payments or collections. We prioritize cleanups that move scores fastest and document disputes properly.
- High-interest balances. We consolidate into one payment with a lower blended cost and clear prepayment path.
- Thin or new credit. We design a quick-build plan and match lenders that accept alternative proofs of strength.
- Bank declined. We place with credit unions or alternative lenders now, then map a return to prime.
- Penalty worries. We model penalty vs blend vs wait-to-renew so you choose the lowest total cost.
- Income transition. We structure to debt-service ratios and show what changes your approval fastest.
Why Choose Genesis Group for Credit Repair Mortgages
- 100+ lenders compared. Banks, credit unions, alternative and private capital when needed.
- Score-smart strategy. We target actions that improve approval strength and pricing.
- White glove packaging. One clean package, fewer asks, faster approvals.
- Cost modelling. Consolidation vs refinance vs renewal mapped side by side.
- Graduate plan. Clear milestones to move from alternative to best-rate prime.
5 Year - Fixed Term from
Get Started Now and Save Thousands!
No cost, no obligation—just your best rate in minutes.
At Genesis, we’re dedicated to securing the lowest rate possible for you. Your personalized rate depends on factors like credit score and home equity, in line with Canadian regulations. Get your tailored details quickly—with zero cost, zero obligation, and total peace of mind.
How It Works — Step by Step
- Apply in minutes. Share goals, income, and current liabilities.
- Score and debt review. We identify the fastest wins and build your approval plan.
- Approval and consolidation. We place your file and, if needed, roll high-cost debts into one payment.
- Close with confidence. We coordinate appraisal, legal, and timing around penalties.
- Graduate to prime. We monitor milestones and refinance to best-rate once eligible.
Soft check • No impact on credit • FSRA-licensed
Discover the Key Benefits of Choosing Credit Repair
with Genesis Group.
⭐⭐⭐⭐⭐ Experience Guaranteed
My husband and I had used Kirk and his team upon closing a deal on our home. We couldn’t be more happy with everything Kirk and Brittney have done for... read more
Laura Vescio
11/13/2024Could not say enough about The Genesis Group. The level of dedication, professionalism, and knowledge is unmatched. When dealing with such a big life decision like buying a house -... read more
Maria Woychyshyn
11/13/2024From the very first meeting to the joyous moment of receiving my keys, The Genesis Group, under the astute leadership of Kirk Bryan, has been nothing short of spectacular in... read more
Rohan Germain
01/13/2024I had a great experience with The Genesis Group. The process was smooth, with clear communication and competitive rates. Their team was responsive and helpful throughout. Highly recommend!
Breanna Bacik
09/13/2024If getting a mortgage was an Olympic sport, these guys would take gold—blindfolded, on a unicycle, while juggling flaming swords. They made the process so smooth, I was half convinced... read more
Samantha L
09/13/2024Kirk is a class act! He helped me with my first home property mortgage and couldn’t have asked for a more professional person to deal with. Him and his team... read more
Lui Vescio Jr.
12/13/2024My partner and I have been in our first home for over a month now and we cannot thank Kirk and The Genesis Team enough! Kirk was patient, professional, supportive,... read more
stephanie B
01/13/2023The Genesis Group exceeded my expectations! Purchasing an investment can be a scary process especially during this unprecedented time. I had the pleasure of working with Kirk and his assistant... read more
S T
01/13/2023As a first-time homebuyer, navigating the mortgage process can be incredibly daunting, but The Genesis Group made it not only manageable but truly rewarding. I had the distinct pleasure of... read more
Rohan Spence
05/13/2024
Gain access to our vast network of 100+ lenders offering tailored residential mortgages to suit your financial needs.
Real results for Canadians rebuilding credit
Refinance and debt clean-up
One payment. Monthly outlay down 42 percent. Score up 76 points in 90 days.
Read case studyTemporary payment relief
Six month interest-only plan, then prime refinance once income normalized.
Read case studyFirst home after rebuild
Pre-approval locked early, credit optimized, closed on time with buffer.
Read case studyFrequently Asked Questions
Can I get a mortgage in Canada with bad credit?
Often yes. Approval blends income, equity or down payment size, debt-service ratios, and overall file strength. We place files with credit unions and alternative lenders when needed, then map a refinance back to prime once your history improves. Start by estimating payments with the Mortgage Payment Calculator.
What credit score do I need for mortgage approval?
Score is one factor. Many prime programs prefer mid-600s or better with clean trade lines and ratios inside policy. Credit-union and alternative lenders can approve lower scores when income and equity are strong. We compare 100+ lenders and show your best path at today’s policies.
How can I improve my credit score quickly for a mortgage?
Fast wins include paying revolving balances down below 30 percent of limit, clearing small collections, avoiding new inquiries, and setting up on-time auto-pay for core trade lines. We provide a focused plan that targets items with the biggest score lift for approval. Then we reassess before you remove financing conditions.
Do I need a bigger down payment with bad credit?
Sometimes. Alternative and credit-union programs may ask for larger down payments or more equity to offset risk. We model down payment options and monthly cost so you can choose the right structure. Review closing costs with our Closing Costs Guide.
Can I qualify after a consumer proposal or bankruptcy?
Yes, with the right timing and re-established credit. Lenders look for discharge documents, rebuilt trade lines, and stable income. We match lenders to your stage and set milestones to move back to prime pricing as quickly as possible.
Will a co-borrower help my approval if my score is low?
It can. A strong co-borrower may improve ratios and overall file strength. Lenders assess the full application, including the property and liabilities. We confirm whether adding a co-borrower increases approval odds or if a different structure is better.
How soon can I refinance from an alternative lender to a prime lender?
Many borrowers graduate in 12 to 24 months once credit is re-established and ratios fit prime policy. We set a written roadmap with target scores, balances, and timing, then monitor renewal windows to minimize penalties. Compare paths using the Debt Consolidation Calculator.
What documents will I need for a bad credit mortgage in Canada?
Typical asks include government ID, income proofs, recent credit report, mortgage or rent history, property tax bill, and statements for debts being consolidated. We give you a clean checklist so you submit documents once and close on time.
Get started
Ready to rebuild and qualify with confidence. We will package your file, negotiate the market, and map your fastest route back to prime.
Soft check • No impact on credit • FSRA-licensed
