Bad Credit Mortgages.  Qualify even with bad credit

Our focus is bad credit mortgages for Canadians.  We offer mortgage solutions for credit challenged borrowers that are designed with flexibility and help them qualify, and rebuild credit.

Mortgages for your Home

buy home with bad credit

Great Rates for good credit

    See More

    Mortgage Refinancing

    mortgage refinancing with bad credit

    Lower your payments

      • Up to 85% LTV (approved locations)
      • Lower your rate and monthly payments
      • Pay off bills, debts, CRA Tax, Property taxes .
      • More about refinancing

    See More

    Bad Credit Mortgages

    Bad credit mortgages

    Bad credit mortgages

      • Minimum 15% down ( on approved locations)
      • Purchases to 90% ( Toronto and GTA)
      • 4 of 5 loans approved
      • More bad credit solutions

    See more


    Responses in 24 hours or less


    Why The Mortgage Architects?

    One STOP Mortgage Solutions- We HAVE YOUR COVERED for ALL your NEEDS:
    • Superb mortgage rates
      Low mortgage rates from our lending partners for good credit…fixed and variable rates… See rates
    • Conventional and high ratio
      Mortgages. Lowest rates from our Bank Lending Partners. From 5% down … Mortgage Products
    • Alternative Lending
      Bank says NO we say Yes with bad credit or challenged… Solutions
    • 2nd Mortgages
      FAST Funds from your Equity regardless of credit or income…. 2nd mortgages


    2nd mortgage fast funds

    2nd mortgages or Equity take out

    Access your HOME EQUITY – regardless of income or credit

    Borrow up  to 85% of your property value at reasonable rates,  and low fees.  We prefer major urban cities across Canada***

    Owe money to CRA ( Revenue Canada)? and property tax arrears or liens.  We can also pay consumer debt, renovate your home or allow you to go on vacation.   We even stop foreclosure and  pay up mortgage arrears, Bad credit is not an issue.

    We provide quick approvals and funding.  Apply today. Read more Quick Qualify

    bad credit alternative mortgage solutions

    Alternative Mortgage Solutions

    Sensible,workable solutions for purchases and refinancing ( Bad credit mortgages)

    We provide mortgages funds to buy or refinance your home. We give you time to rebuild bad credit so you may qualify for traditional financing in the future.

    Mortgage Architects:  Experience and knowledge.  A lender network that you can depend on.

    Read more Quick Qualify

    bad credit mortgages for luxury homes

    Mortgages for $1,000.000 properties

    Sensible mortgage solutions for luxury homes

    Purchasing or refinancing properties worth more than $1M may be challenging.

    Choosing Mortgage Architects for you next mortgage is to your benefit.  Our lending partners understand your specific needs and we make it happen without many of the restrictions.

    Read more Quick Qualify


    New 1st Toronto
    – replaced an 8% first and 12% 2nd and provided 30k for home renovations.

    “Your attention to the details of this mortgage has been superior. I would like to say thank you from the bottom of my heart. This has been so stressful for me from the beginning and now at least I feel that we are closer than ever to a settlement. This note below is by far more respect than we have received thus far and you are greatly appreciated.” This has put my heart at rest. Thank You Tracy and Arthur

    New 1st - Welland Ont.
    New 1st mortgage replacing a high rate private- Thank you for all of your hard work. Everything went smoothly! Thank you again for all of your hard work. I appreciate the assistance. Sherry
    2nd - Woodbridge Ont.
    $12o,000  to pay out CRA lien against property- Thank you.  You are a gentleman and scholar. Moe
    New 1st - Kitchener Ont.
    New 1st mortgage – mortgage arrears –

    Thank you for helping me in restoring my mortgage.  You found a way to pay off the arrears, pay my property taxes, and provide extra funds for personal.  I really enjoyed working with you, and your service is impeccable and professional.   Rebecca

    New 1st - Cambridge Ont.
    Spousal Buyout –

    Because of your efforts, I feel I actually have a future again. Thank you.   Rob


     Our Lending Partners