Why CreditReboot Is Different
Most brokerages want the easy file: good credit, clean T4 income, a bank approval waiting at the end. In Saskatchewan that leaves a lot of homeowners with nowhere to go.
Our niche is the homeowner a bank has already declined. Our niche is the homeowner a bank has already declined — bruised credit, self-employed or seasonal income, farm and resource income that does not fit a ratio test, arrears, or a lender that has already started acting. Those files need someone who knows the shorter list of lenders writing in this province and which of them will read the property rather than the score.
Three things follow from that focus:
- ✓ We know who actually lends here. Saskatchewan has a shorter list of active alternative lenders than Alberta or Ontario. Some will not write outside Saskatoon and Regina at all. Knowing that list before you apply is most of the job.
- ✓ Acreages and smaller centres are not automatic declines. A property outside a major centre narrows the lender list rather than ending it. We place those files on the property and the exit, not on a postal code.
- ✓ 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 in Saskatchewan
Home Equity Loan
A second charge behind the first mortgage you already hold, so your existing rate and term stay intact. In Saskatchewan the practical limit is usually set by what the property will appraise at, not by your score. How it works
HELOC With Bad Credit
A revolving limit you draw and repay as you go, interest charged only on the balance outstanding. Fewer lenders offer these in Saskatchewan than further west, which is exactly why the shortlist matters. B and private lenders write them — above the traditional 65% revolving HELOC limit, up to 80% total LTV in qualifying cases. HELOC options
Refinance With Bad Credit
One new larger first mortgage that clears the existing one and returns the difference in cash. Often cheapest in total cost, but only if your current rate and any penalty make breaking it worthwhile — 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.
The Digital CreditReboot Process
No branch visits. No waiting in line. No unnecessary paperwork. Just a simple digital process.
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1Pre-ApprovalFill this form, speak to the broker, get your quote.
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2Application & ApprovalComplete the application, we shop the deal across our lender network, choose your approval.
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3FundingSign the broker documents, legal documents & get the funds!
Mortgages & Home Equity Loans Across Saskatchewan
Regina, Saskatoon and rural Saskatchewan.
Not sure if your city is covered? Call us: 1-866-329-8801