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CreditReboot Mortgages (formerly Lending Circle) BBB Business Review

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Canada's Digital Mortgage Broker — For Solutions Beyond the Banks

Credit, Income, or Debt in the Way? You Still Have Options

Get Pre-Approved Online!
BBB
A+
Accredited
Helping Homeowners
Since 2015
100% Digital
Application
Real People
No Bots
Equity & Refinance
Experts

Your Bank Said No. CreditReboot Didn't.

We compare options from 50+ alternative lenders across Ontario, Alberta and Saskatchewan — with solutions built around your home equity, income and financial situation.

Flexible ApprovalBad credit, low income & arrears considered.
Access Home EquityUse the equity for debt, expenses or your next move.
Lower Monthly PaymentsConsolidate high-interest debt into one manageable payment.
Digital Pre-ApprovalStart online — with real people guiding the process.
50+ Lenders ComparedOne application. More options across alternative lenders.
Cut Interest Cost by 50%Replace high-rate debt with equity-based rates.
A message from our founder

If you're visiting CreditReboot today, chances are you're looking for alternative options.

Maybe the bank said no. Maybe high-interest debt is adding up. Maybe you just want a clearer path before your next move.

I've spent the last decade helping homeowners in exactly those situations.

I founded CreditReboot on one belief: every homeowner deserves real options — regardless of income or credit.

Tell us your story — and we'll show you what's still possible.

Parm Mehmi
Founder & Principal Broker

Secure & confidential

Your information is protected with industry-leading security.

No obligation

Honest advice with no pressure and no commitment.

More options

Access to 50+ alternative lenders.

Fast turnaround

Most approvals within 24–48 hours, not weeks.

Here for you

Support from real experts at every step of the way.

See Our Success Stories

See how homeowners across Ontario, Alberta & Saskatchewan have used their home equity to eliminate debt, stop arrears, and lower their monthly payments.

Happy Calgary family homeowners
Calgary Homeowner
Before Refinance
🏠 Mortgage Arrears $6,800
💳 Credit Card Debt $71,900
🎓 Student Loans $14,000
Total Debt $92,700
Monthly Debt Payments
$4,479
After Mortgage Refinance
🏡 Refinanced with B-Lender
Total Debt Included $92,700
New Monthly Payment
$2,698
Monthly Savings
$1,781

"The bank gave us 30 days before starting foreclosure proceedings. After my husband was laid off, we genuinely thought we were going to lose our home. CreditReboot refinanced everything in time and put us on the path to A-lender rates."

★★★★★

See What I Could Save →
Free Advice · No Upfront Fees
Happy Toronto family homeowners
Toronto Homeowner
Before Consolidation
💳 Credit Card Debt $102,500
📄 Secured & Unsecured LOC $67,000
📋 Personal Loans $29,000
Total Debt $198,500
Monthly Debt Payments
$3,417
After Home Equity Loan
🏡 Consolidated into Home Equity
Total Debt Included $198,500
New Monthly Payment
$2,079
Monthly Savings
$1,338

"We were making every payment on time for 2 years but never making a dent. CreditReboot consolidated everything with our home equity — our credit score is already recovering."

★★★★★

See What I Could Save →
Free Advice · No Upfront Fees
Happy Ontario family homeowners
Ontario Homeowner
Before Consolidation
📄 Unsecured Loans $24,000
💳 Credit Card Debt $28,000
🏛 Property Tax Arrears $4,500
Total Debt $56,500
Monthly Debt Payments
$1,250
After Home Equity Loan
🏡 Consolidated into Home Equity
Total Debt Included $56,500
New Monthly Payment
$676
Monthly Savings
$574

"Our bank refused to help because of the property tax arrears. CreditReboot approved a home equity loan that cleared the taxes and paid off all our debt in one shot."

★★★★★

See What I Could Save →
Free Advice · No Upfront Fees
Happy Alberta family homeowners
Alberta Homeowner
Before Refinance
🏦 Secured Line of Credit $64,000
📄 Unsecured LOC $21,000
🏠 Mortgage Balance $217,000
Total Obligations $302,000
Monthly Debt Payments
$2,688
After Consolidation Refinance
🏡 Mortgage + LOC Consolidated
Total Refinanced $302,000
New Monthly Payment
$2,132
Monthly Savings
$556

"The bank closed my secured LOC and threatened collections. They'd renew my mortgage but not refinance to consolidate. CreditReboot found a B-lender that rolled everything into one payment."

★★★★★

See What I Could Save →
Free Advice · No Upfront Fees
Happy Edmonton family homeowners
Edmonton Homeowner
Before Consolidation
📄 Lines of Credit $68,000
💳 Credit Card Debt $19,000
🎓 Student Loans $21,000
Total Debt $108,000
Monthly Debt Payments
$1,321
After Home Equity Loan
🏡 Consolidated into Home Equity
Total Debt Included $108,000
New Monthly Payment
$908
Monthly Savings
$413

"My house was free and clear but the bank said my self-employment income wasn't enough. CreditReboot approved me with an alternative lender based on my equity — no income stress test."

★★★★★

See What I Could Save →
Free Advice · No Upfront Fees

Certain details have been modified to protect client privacy while preserving the overall outcome.

See your potential savings

How Much Could You Save Each Month?

Consolidate high-interest debt into one lower payment with better terms.

Total Debt$60,000
Current Average Rate21.99%
Home Equity Rate6.99%
New Monthly Payment
$468
fixed, predictable
You could save
$641/mo
vs. current minimum payments
Your CreditReboot Journey to Better Rates
1
Right now
21.99%
High-interest debt
Minimum payments draining you every month
2
Month 1
6.99%
Home equity loan
One payment. Credit score starts to improve in 60–90 days
3
12–24 months
~4–5%
Refinance to prime lenders
Qualify for A-lender rates. The 'expensive' phase is over

The results shown are estimates only and are intended for informational purposes. Actual loan amounts, interest rates, payments, and savings may vary based on your property's equity, credit profile, income, and lender approval.

See if I qualify Have questions? 1-866-329-8801

The Digital CreditReboot Process

No branch visits. No waiting in line. No unnecessary paperwork. Just a simple digital process.

  1. 1
    Pre-Approval
    Fill this form, speak to the broker, get your quote.
  2. 2
    Application & Approval
    Complete the application, we shop the deal to 50+ lenders, choose your approval.
  3. 3
    Funding
    Sign the broker documents, legal documents & get the funds!
Apply in 60 Seconds
Pre-Approved in Minutes. Funded in Days.
Step 1 of 11 9%
GET STARTED
Do you currently own the home?
Yes
No
YOUR PROPERTY
What is your home's estimated value?
$750,000
Drag to select
$200K$2M+
YOUR MORTGAGE
What is your current mortgage balance?
$450,000
Include all mortgages on the property
$0$1.5M
EXISTING DEBT
Do you have a HELOC or 2nd mortgage?
Yes
No
LOAN AMOUNT
How much do you need to borrow?
$50,000
To consolidate your debt
$10K$500K
YOUR GOAL
What is your primary goal?
💰 Consolidate Debt
🏛️ Pay Off CRA
🏠 Home Renovation
🛑 Stop Power of Sale
🤝 Buy Out Partner
📋 Other
YOUR LOCATION
What city is your property in?
ABOUT YOU
What's your name?
CONTACT INFO
What's your email address?
CONTACT INFO
Best phone number to reach you?
PROPERTY ADDRESS
What is the property's street address?
No Upfront Fees  ·  No Credit Check Without Consent

Hear from Our Clients

Let us help you find the right financing solution today.

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FAQ

Why Choose CreditReboot

How is CreditReboot different from other mortgage companies?

Alternative financing isn’t a side of our business — it’s our entire focus. Many mortgage companies primarily compete for prime mortgages, first-time homebuyers and the lowest advertised rates. CreditReboot specializes in homeowners who don’t fit traditional bank guidelines.

We’ve built relationships with a broad range of B lenders, alternative lenders and private lenders, each with different requirements for credit, income, property type and loan-to-value. That gives us more places to look when a file doesn’t fit the usual box.

A difficult file for some mortgage companies is a standard file for us.

Why does specializing in alternative financing matter?

Because these lenders are all different. One might be comfortable with bruised credit but strict on income. Another doesn’t mind self-employed income but wants more equity. Because this is the market we work in every day, we usually have a good idea of where a file belongs before we ever send it anywhere.

What kinds of mortgage files does CreditReboot specialize in?

The ones that get labelled “difficult” — bruised credit, high debt, income that’s hard to prove on paper, a recent credit event, or a decline from your own bank. If that sounds like your situation, you’re not an exception here. These are the files we work on every day.

What kinds of mortgage solutions does CreditReboot arrange?

Most of our clients are homeowners putting their equity to work: a home equity loan for cash when the bank says no, a second mortgage that leaves a good first mortgage untouched, or a refinance to consolidate high-interest debt. If credit card balances are eating your paycheque, rolling them into one lower monthly payment is often the single biggest improvement we can make to a homeowner’s cash flow.

My bank said no. What can CreditReboot actually do?

A bank decline just means you didn’t fit that one bank’s guidelines. It says very little about your actual options. Lenders outside the big banks look at your equity and your whole story, not just a credit score. Our job is figuring out where your file genuinely fits. And no, that doesn’t automatically mean private money — if you qualify with a B lender at better terms, that’s where we take you.

Will you just take the first approval you can get?

No. An approval on the wrong terms can cost more than the problem it was meant to solve. Before we recommend anything, we look at your current mortgage, penalties, equity, monthly cash flow and what you’re actually trying to fix — and then structure the financing around that.

What’s the best way to deal with high-interest or credit card debt?

The answer starts with understanding what’s really weighing on your budget each month. For most homeowners it’s the credit cards and high-interest loans — and rolling those into a debt consolidation refinance or second mortgage can cut your total monthly payments dramatically, even if the mortgage rate itself is higher than a bank’s. Sometimes the mortgage itself is part of the problem too, and a refinance restructures everything at once. Either way, it’s a call we help you make before anything gets signed.

What does a Digital Mortgage Broker actually mean?

It means we’ve built the entire mortgage process to work wherever you are. Apply online, upload documents from your phone, sign electronically, and talk to us when it suits you — no branch visits, no taking a day off work.

But being digital doesn’t mean being automated. Every application is reviewed, structured and placed by a licensed mortgage professional who understands alternative lending. Technology makes the process faster and easier; the expertise behind your mortgage is still human. That’s what we mean by Canada’s Digital Mortgage Broker.

Mortgages & Home Equity Loans Near You

We proudly serve homeowners across Ontario, Alberta & Saskatchewan

Not sure if your city is covered? Call us: 1-866-329-8801