First-Time Home Buyer Mortgages
Down payment rules, pre-approval and closing costs explained in plain language before you make an offer.
Learn moreA plan to qualify at prime
Ontario - License #11000073 · Nova Scotia - Licence #2023-3000786 · Mortgage Outlet Inc #12628
Credit improvement, with a mortgage as the target
Most people who are told no are told nothing useful about why. We read your file the way an underwriter does, tell you exactly what is holding it back, and give you a written plan with a date attached.
Who this is for
- Declined recently and told to come back later
- Score in the 550–680 range with real income
- Collections, a past consumer proposal, or high utilisation
- Buying or refinancing in the next 6–18 months
What's included
Underwriter's read of your bureau
Which accounts, balances and dates are actually costing you, in order of impact.
A dated plan
The specific steps, the order to take them in, and the month your file should clear an A lender.
Utilisation targets
The exact balance to hold on each card, because the balance on your statement date drives the score, not what you paid later.
Check-ins and re-pull
We review progress at agreed intervals and submit when the file is genuinely ready, not before.
What actually moves a score
Payment history and utilisation do most of the work. Getting every revolving balance below 30% of its limit, and ideally below 10%, is usually the fastest visible improvement — often within two statement cycles.
After that: no new applications, keep old accounts open for their history, and hold at least two active trade lines. Closing your oldest card because you do not use it is one of the more common self-inflicted wounds.
Collections, proposals and bankruptcies
Collections generally need to be paid and reported paid before an A lender will move. After a consumer proposal or bankruptcy, most A lenders want it discharged with two years of re-established credit on two trade lines, and insurers have their own requirements.
We will tell you plainly whether you are twelve months out or three, and what a B-lender option would cost you in the meantime if waiting is not realistic.
What we will not do
We do not sell credit repair, dispute accurate information, or promise a score. Nobody can remove correct reporting. What we can do is tell you which of your circumstances lenders weigh most and in what order to address them.
How the process works
- 1
Credit review
We read your bureau line by line and identify what is actually holding the score down.
- 2
Written plan
Balances to pay to specific limits, accounts to keep open, and a realistic target date.
- 3
Interim financing, if needed
Where waiting is not an option, we look at short-term options with a clear exit to an A lender.
- 4
Re-apply at prime
We re-pull and submit once the score and file support A-lender pricing.
Documents we'll ask for
- Credit report from Equifax or TransUnion
- Statements for cards, lines of credit and loans
- Income documents
- Details of any collections, judgments or past insolvency
Documents come in through secure upload — never plain email. Missing something? Send what you have and we'll tell you what still matters.
Run the numbers
Calculators for this file
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Mortgage Agent Level 2
Licensed Mortgage Agent Level 2 serving Ontario borrowers.
Same-day callbacks
You speak with an agent, not a call queue.
CMP Top 75 Agent 2025
Recognized among Canada’s top mortgage professionals in 2025.
15+ years experience
Helping Ontario borrowers find the right mortgage for over 15 years.
- What credit score do I need for a mortgage in Ontario?
- Insured A-lender financing generally starts around 680, with some programs accepting 600 to 660 on stronger files. Below that you are usually looking at B-lender or alternative options at a higher rate.
- How long does it take to improve my credit enough to qualify?
- Utilisation changes can show up in one to two statement cycles. Rebuilding after collections or a proposal generally takes twelve to twenty-four months. Your plan will name a realistic month.
- Should I pay off collections before applying?
- Usually yes for A-lender financing, and you want the payment reported. Order matters though, so talk to us before you spend the money on the wrong account.
Find out what you actually qualify for
Send the basics and we'll come back with real lender options, or call and get an answer on the first conversation.