Why CreditReboot Is Different
Most brokerages want the easy file: good credit, clean T4 income, a bank approval waiting at the end. We built ours around the opposite.
Our niche is the homeowner a bank has already declined. Bruised credit. Self-employed, commission or seasonal income. Low reported income against a valuable property. Late payments, a consumer proposal, arrears, or a lender that has already started acting. Those files need a lender who reads the equity and the exit rather than a scorecard — and knowing which lender that is, for which property, in Ontario, Alberta and Saskatchewan, is the entire job.
Three things follow from that focus:
- ✓ We go to 80% loan-to-value. Most banks stop at 65% on an equity product. On an average Ontario, Alberta and Saskatchewan home that gap is usually five figures and often six.
- ✓ Fully digital. Documents from your phone, no branch appointment, decisions usually inside 24 hours and funding in three to five business days.
- ✓ Every cost in writing first. Rate, term, lender and brokerage fees, total cost — all disclosed before you sign. Nothing to apply, nothing for an assessment.
How We Help Homeowners
Home Equity Loan
A lump sum behind your existing first mortgage. Keep your current rate, borrow only what you need, approved on the equity in the property rather than your score. How it works
HELOC With Bad Credit
A revolving limit you can draw and repay, with interest only on what you use. B lenders and private lenders write these outside bank credit guidelines — to 80% LTV, not 65%. HELOC options
Refinance With Bad Credit
Replace your mortgage with a larger one and take the difference in cash. Usually the cheapest route — if your existing rate makes breaking it worthwhile. We run both numbers. Refinancing
Refinance With Low Income
Pension, contract, commission or self-employed income that fails a bank ratio test. Some lenders underwrite from bank statements; private lenders qualify on equity, not income. Low income options
Debt Consolidation With Equity
Cards at 19.99–22.99%, lines of credit and CRA arrears rolled into one payment secured by your home. The debt does not vanish — the rate on it drops sharply. Consolidation
Late Payments or Foreclosure
Behind on the mortgage? A refinance or second that clears the arrears and the lender costs stops the process. Most A lenders stop reading; equity lenders do not. Stop a foreclosure
Real Files We Have Funded
See how homeowners across Ontario, Alberta & Saskatchewan have used their home equity to eliminate debt, stop arrears, and lower their monthly payments.
Certain details have been modified to protect client privacy while preserving the overall outcome.
Choose Your Province
Mortgage Broker Alberta
Home equity, HELOCs, refinancing and foreclosure help across Alberta. Alberta →
Mortgage Broker Saskatchewan
Licensed with the FCAA (#511322), serving Saskatchewan homeowners the banks decline. Saskatchewan →
Ontario
Licensed with FSRA (#13163). Ontario city pages are listed on our service areas page. Ontario →
The Digital CreditReboot Process
No branch visits. No waiting in line. No unnecessary paperwork. Just a simple digital process.
-
1Pre-ApprovalFill this form, speak to the broker, get your quote.
-
2Application & ApprovalComplete the application, we shop the deal to 50+ lenders, choose your approval.
-
3FundingSign the broker documents, legal documents & get the funds!
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