Bad Credit

We’re turning your Bad Credit into a Good News

Own a home? or have a down payment ready? We have lending options that can help you despite you bad credit score. Get Started Today

Life doesn’t always follow a straight path, and sometimes, it can take unexpected turns that leave a mark on your credit history. At HM Mortgages, we firmly believe that your credit score shouldn’t be a barrier to achieving your dream of owning a home. Below, we’re going to delve into the world of bad credit mortgages, emphasizing our commitment to understanding your unique circumstances and helping you secure a mortgage with reasonable fees.
Understanding Bad Credit Mortgages
Bad credit mortgages, often known as subprime mortgages, are designed to assist individuals whose credit scores may not meet conventional standards. These mortgages acknowledge that life can throw financial curveballs, but they offer a path to homeownership while giving you the chance to rebuild your credit.
We Believe Your Story Matters
HM Mortgages believe that each applicant has a story to tell. We don’t judge applicants solely based on credit scores; instead, we take the time to hear your story. We understand that events like unexpected medical expenses, job loss, or other life challenges can have an impact on your credit.
Here’s How We Assist You in Obtaining a Mortgage
Personalized Solutions
We don’t use a one-size-fits-all approach. Instead, we tailor our mortgage solutions to your specific circumstances. Your story informs our strategy, enabling us to create a customized plan that aligns with your financial situation.
Access to Specialized Lenders
We don’t use a one-size-fits-all approach. Instead, we tailor our mortgage solutions to your specific circumstances. Your story informs our strategy, enabling us to create a customized plan that aligns with your financial situation.
Transparent Fee Charges
While bad credit mortgages may come with slightly higher interest rates and fees, we work to keep these costs reasonable, ensuring that you can access homeownership without undue financial strain
Expert Financial Guidance
We offer expert financial advice and tools to help you improve your credit over time. Our goal is not just to help you secure a mortgage but also to support your long-term financial well-being.

Steps to Secure a Bad Credit Mortgage

Consultation:

A meeting our experienced mortgage specialists to discuss your unique situation and homeownership goals.

Credit Evaluation:

We'll carefully evaluate your credit history to understand your challenges and identify areas for improvement.

Tailored Plan:

Based on our assessment and your individual circumstances, we'll create a personalized mortgage plan

Application Process:

We'll guide you through the application process, working closely with our network of lenders to find the best solution for you.

Empowering Financial Future:

We offer resources and guidance beyond mortgage approval to help you rebuild credit, empowering a brighter financial future.

At HM Mortgages, we firmly believe that everyone deserves the chance to own a home, regardless of their credit history. Our commitment to understanding your story and helping you secure a mortgage with reasonable fees is unwavering. Life can be unpredictable, and financial challenges happen; we’re here to support your journey to homeownership while offering a path to rebuild your credit. Don’t let your past define your future; let us help you write the next chapter of your homeownership story.

What can we help you with?

Own a business?

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Self-Employed

Newcomer to Canada?

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New to Canada

Facing bad credit issues?

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Bad Credit

Buying a rental property?

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Rental Properties

Buying a property?

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High-Net-Worth Individual
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