Home Equity
Helping Homeowners Get Cash in Hand
Home Equity Loans with Bad Credit
At CreditReboot Mortgages, we specialize in home equity loans and second mortgages for homeowners across Ontario. Whether you’ve faced bad credit, low income, or late payments, we’re here to help you find a way forward.
We Fund the tough deals:
- High debt load?
- Behind on payments?
- Struggling to get approved anywhere else?
Here’s what we can offer:
- Access up to 80–85% of your home’s equity
- No income or credit score required for approval
- Fast funding — money in your hands within 2–3 days
- Direct access to alternative and private capital
Unlike banks, we focus on your home’s value — not just your income or credit score.We’ve helped hundreds of homeowners tap into their equity when traditional lenders walked away.
Start Your Pre-Approval Online Today – Or Call Us Today!
Consolidate Debt with Home Equity
Why CreditReboot Mortgages?
Value over numbers: We evaluate your home’s equity before fixating on credit scores.
Built for rebooting: Short-terms (1-3 years) allow you to reset your credit, then move to stronger options.
Clear, honest process: No hidden fees, no surprises, no judgment.
Your advocate: We negotiate on your behalf with alternative lenders and private capital networks
Common Questions (Answered)
“My credit is too bad.” → We’ve helped people in worse spots. We look at equity + plan.
“Will my home be at risk?” → We structure safety buffers and realistic payment terms.
“Will the rate be outrageous?” → We negotiate rates down by competing lenders and transparency.
“What if I can’t pay it later?” → We set you up to transition to better terms once your credit recovers.
Why Take a Home Equity Loan?
Debt Consolidation
Home Equity loan is a key solution for Homeowners who are trapped in a debt cycle. The interest rates on home equity loans are much lower than an average credit card.
Home Renovation
Do you need the cash to renovate your house? Home Equity loan is an ideal way to get cash you need to finish home renovation & increase the home value.
Catch-Up Funds
Unforeseen expenses? Home equity loan can be arranged in a short time period to help catch up on expenses. With a Single Monthly Payment, it makes catching up seamless and affordable.
Investments
Looking to purchase a cottage or a rental property? or invest in business? Home equity loan can provide fast capital so you don't miss any opportunities.
Mortgage Arrears
Have you fallen behind on mortgage payments? Home equity loan is a fast way to get cash in hand to pay the mortgage arrears & keep first mortgage in good standing.
Tax Arrears
Need funds to pay CRA or property tax arrears? Home equity loan can provide the cash needed to pay any income or property taxes.
Benefits of a Home Equity Loan
- Stop Collection Calls
- Renovate Your Home
- Invest In Your Business
- Pay Off A Consumer Proposal
- Pay Mortgage Arrears
- Purchase Investments
- Pay for wedding expenses
- Pay for education
- Cover medical expenses
- Pay CRA tax arrears
- Pay property tax arrears
- Take a family vacation
- Purchase a car
- Get out of high-interest loans
- Invest In RRSP or RESP
- Pay off payday loans
- Pay Off Judgments, Garnishments
- Cover your expenses
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
Parm definitely has a passion for what he does and you can tell he is very knowledgeable and precise when giving advice. His customer service is amazing and he makes you feel secure with the logistics of the transaction. He takes extra steps to be more helpful than he has to be. Thanks Parm for your service.
Oscar Diaz
The entire process was extremely smooth from start to finish. Especially with the Pandemic everything was done online. Parm was always there answering my many questions and was so patient with me.I would highly recommend anyone to use his services.He is knowledgeable and upfront. Excellent service guaranteed.
Valerie Black
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.