HELOC Bad Credit
Bad Credit HELOC
Declined by the Bank? Your options Don’t End Here!
Being turned away by your bank feels like a dead end. But banks aren’t the only lenders in Canada. And being declined does not mean you’ve lost your chance to access the equity in your home.
At CreditReboot Mortgages, we specialize in helping homeowners just like you — people with bruised or damaged credit who still deserve a way forward. We work directly with alternative lenders who look beyond the rigid formulas banks rely on. They understand that real life isn’t perfect — that medical bills, job loss, or past decisions can hit anyone’s credit.
The Difference We Bring:
- Approvals even when the bank says no
- Competitive terms tailored for bruised credit borrowers
- Solutions that help you keep your home — not sell it
If you’ve been told you’re out of options, know this: you’re not. Your home still holds power, and with the right guidance, you can unlock it.
Why Homeowners Turn to CreditReboot
Alternative lenders look at the whole picture. Instead of judging you only on a beacon score or rigid debt ratios, they consider your home equity and your plan to move forward.
Shorter terms, real progress. One- to three-year terms give you time to stabilize, pay down debt, and rebuild your credit for prime lender approval later.
Flexible approvals. Whether your challenge is bruised credit, inconsistent income, or past financial setbacks, we can often find solutions where banks won’t.
Speed and simplicity. Approvals can happen in days — not weeks — and the paperwork is streamlined
What You Can Do With a HELOC From CreditReboot
Consolidate high-interest debt into one manageable payment
Free up monthly cash flow by lowering interest costs
Cover unexpected expenses like medical bills or repairs without resorting to credit cards
Invest back into your home with renovations that add long-term value
Bridge financial gaps after job loss, self-employment fluctuations, or divorce
This isn’t just about borrowing. It’s about regaining control and buying time to rebuild.
Real People. Real Results.
“My bank told me I didn’t qualify because of my credit. I thought selling my home was my only option. CreditReboot showed me how to use my equity instead. I consolidated debt, saved thousands in interest, and now I’m on track to qualify for a regular bank rate mortgage again.”
Stories like this aren’t rare — they’re what we do every day.
Why CreditReboot?
Because we’re not just another brokerage. We’ve built our business around one mission: helping homeowners with bruised credit or tight income find real financing solutions.
Access to a wide network of alternative lenders and private capital
Decades of combined experience navigating “non-bank” approvals
A process built for speed, empathy, and results
- Licensed in Ontario, Alberta, and Saskatchewan
We help homeowners when the Banks can’t!
Type of Mortgages & Home Loans
What Our Clients Say
Expectations exceeded! Parm, I had an incredible experience working with you and I just want you to know how much I appreciate your service as a mortgage broker, as well how professional and efficient you are. All my requests for my mortgage was well taken care of and I couldn't ask for more. Once again thank you very much for your special service!
Claudia Ingabire
Hands down the best service providers. Very professional and provide the best customer experience. This company will not disappoint. Parm is very knowledgeable, dedicated to his work, professional, and most importantly very well experienced. If you go with them, you have true piece of mind and supporters for life.
Manpreet Kaur
CreditReboot Mortgages was great, Parm worked so hard and exceptionally fast to make sure our deal closed within a few days. There was no hassle, everything went seamlessly.Thank you to parm and his amazing team for making the whole process done and over with in the blink of an eye.Definitely will go back and refer to anyone looking for financial help.
Saalini Sawyers
You deserve a better option.
Being declined by banks can leave you feeling helpless and anxious about your finances. At CreditReboot Mortgages, we specialize in home equity solutions tailored for homeowners like you. We understand your uncertainty and aim to help you regain financial freedom. With a streamlined process and dedicated support, you can finally take control and breathe easy knowing you’re on the right path to improving your financial standing.