Behind on Your Mortgage? You Can Still Keep Your Home.
Missed payments, a notice of sale, property tax or CRA arrears — even an active power of sale or foreclosure. If you have equity, our fully digital process can clear the arrears and stop the sale. Any credit. Funded in as little as 24–72 hours.
🏠 How much can you access to clear arrears?
Does any of this sound familiar?
Falling behind isn’t the end. Waiting is the real risk.
Banks rarely help once you’re in arrears — but private and alternative lenders look at your equity, not your credit score or income. With direct access to capital and a 100% digital process, CreditReboot can pay your arrears in full, bring your mortgage current, and stop legal action before you lose the home.
Why a digital broker matters when you’re behind
Speed is everything in an arrears situation. Our online process removes the delays a branch can’t.
Apply in 60 seconds
No appointments, no waiting room. Start your application the moment you find this page — even at night or on a weekend.
Private & secure
Everything happens online and confidentially. No awkward branch visit, no explaining your situation across a counter.
50+ lenders, one application
We shop your file to alternative and private lenders digitally and bring back the fastest approval — you choose.
What kind of arrears are you facing?
Pick your situation for the fastest, most specific path to a solution.
Property Tax Arrears
Unpaid municipal taxes can trigger a tax sale — even if your mortgage is current. Clear them with your equity before a certificate is registered.
Property tax arrears help →Income Tax / CRA Debt
CRA debt compounds at penalty rates and can become a lien on your home. Pay it off in full from your equity and stop the interest.
CRA debt solutions →Stop a Power of Sale (Ontario)
Served a Notice of Sale? You have a redemption window to pay the arrears and stop the sale. We move fast.
Stop power of sale →Stop a Foreclosure (Alberta & Sask.)
Facing a Statement of Claim or Order Nisi? Reinstate or pay out the mortgage before judicial sale and keep your home.
Stop foreclosure →How much time do you have? Know your province.
The legal process — and your deadlines — differ across Ontario, Alberta, and Saskatchewan.
- Lender can issue a Notice of Sale after ~15 days of default.
- A minimum 35-day redemption period follows — pay the arrears + costs to reinstate.
- Most lenders use power of sale; surplus after the sale returns to you.
- Acting in the 35-day window is critical.
- Runs through the Court of King’s Bench via a Statement of Claim.
- An Order Nisi sets a redemption period — generally ~6 months under the Law of Property Act.
- If unredeemed, the court approves a judicial sale or transfers title.
- Reinstating early is usually cheaper than redeeming late.
- Foreclosure or judicial sale through the Court of King’s Bench.
- Residential files often involve the Provincial Mediation Board first.
- An Order Nisi sets the redemption period to reinstate or pay out.
- More steps = more time — but don’t wait; equity solutions still close faster.
General information only, not legal advice. Timelines vary by lender, court, and circumstances.
Just received a notice? Do these 5 things today.
- Don’t ignore it. Open every letter from your lender, lawyer, or municipality. Deadlines start running the day you’re served.
- Note the dates. Find the redemption deadline or court date on the document — that’s your window to act.
- Don’t move money or sign anything with a stranger who contacts you first. Work only with a licensed broker or lawyer.
- Gather basics: your mortgage statement, the arrears amount, your home’s rough value, and the notice itself.
- Apply online with us. We’ll confirm your equity and the fastest path within hours — at no cost and no obligation.
How we stop the sale — fully online, in 5 steps
Apply Online
60-second secure digital application. No credit check to start.
Equity Review
We confirm your equity and the fastest lender path — often within hours.
Appraisal
A quick appraisal confirms value and how much is available.
Approval & Commitment
Commitment issued with every cost disclosed in writing; your lawyer handles the legal work.
Arrears Paid · Sale Stopped
Funds advance, arrears paid in full, legal action stops. Urgent files close in 24–72 hrs.
Can your equity clear your arrears?
Move the sliders to see how much you could access — and whether it covers what you’re behind.
Include missed mortgage payments, property tax arrears, CRA debt, and any other amounts you need to catch up.
Your options compared
When you’re in arrears, doing nothing is the most expensive choice.
Do nothing
- Penalties & interest keep growing
- Legal action proceeds
- Risk of losing the home
- Major credit damage
Sell the home
- You lose your home
- Rushed sale = lower price
- Moving costs & disruption
- May still owe a shortfall
Bankruptcy / proposal
- Severe credit damage (up to 7 yrs)
- Trustee involvement
- Doesn’t always save the home
- Last resort if no equity
Equity solution
- Keep your home
- Arrears paid, sale stopped
- Funded in days, fully digital
- Credit can start to recover
The solutions we use to clear arrears
The right fit depends on your equity, your existing mortgage, and how fast you need to move.
Second Mortgage
Pay the arrears without disturbing a good first-mortgage rate. Fast, equity-based approval.
Home Equity Loan
Clear arrears and consolidate other debt in one shot, secured by your equity.
Refinance
Roll the arrears into a new mortgage and reset your payments around your situation.
Private Mortgage
When time is critical, private lenders approve almost entirely on equity — often in days.
Honest guidance, not just a transaction
We arrange financing up to 80% loan-to-value and leave meaningful equity in place as a buffer. Every cost — interest rate, lender fee, broker fee, legal and appraisal — is disclosed in writing before you commit. And if a loan isn’t the right answer, we’ll tell you. Sometimes a payment arrangement with your lender or municipality serves you better.
From crisis to recovery
Missed payments, mounting penalties, legal action looming.
Arrears paid, sale stopped, one manageable payment. Credit starts to recover.
Back on track and eligible to refinance to prime A-lender rates.
Learn more
Helpful reading from our team while you decide your next step.
Trusted by homeowners across Ontario, Alberta & Saskatchewan
★★★★★ 5.0 average — real Google reviews from CreditReboot clients
“We were hit with an unexpected financial rough patch and our regular bank wasn’t wanting to help us. One quick email to CreditReboot resulted in an immediate response with options available to us. Parm quickly set us on the right path.”
“Among all the brokers I’ve worked with over the years, Parm at CreditReboot is at the top. I was put into a tricky situation and other brokers had failed to deliver, but Parm helped me out of it and got me a better deal at every turn.”
“Parm was super knowledgeable and really helped us when we were in a pinch and needed a quick close. He made our stressful situation much more manageable. Would highly recommend!”
“I was in a total bind looking to get a home equity loan against my property in Alberta, even after letdowns from a couple of lenders and the banks. Parm worked tirelessly to find me a lender tailored to my needs — by far the best I’ve worked with in a difficult situation.”
“This review is way overdue. You will not be disappointed with Parm — extremely friendly, very knowledgeable, always answering any questions or concerns. You’re always kept in the loop. I’d definitely work with him again.”
“We value the quality of Parm’s service. He was very approachable, knowledgeable and professional. It was almost hard to believe it all went this smoothly. He was quick to respond when needed. We recommend him to everyone.”
Every day counts. Let’s stop the clock.
Apply online and we’ll review your situation and arrange a solution to clear your arrears — often approved in as little as 24 hours. No obligation, no upfront fees, full transparency on cost.
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