Your Path to Homeownership, Regardless of Your Credit History.
Your Path to HomeownershipRegardless of Your Credit History.
A credit score is a snapshot in time, not your whole story. We specialize in finding immediate mortgage solutions while building a strategic roadmap to recover your financial future.
Alternative Lending
Bridging the gap to the Big Banks. If your credit has taken a hit due to a life event, we use our institutional alternative lenders (B-Lenders). These lenders offer competitive rates for clients with scores that fall just outside the traditional "A" bank requirements.
Private Equity Solutions
Equity-based approvals for urgent needs. When a quick solution is required to stop a power of sale or manage a consumer proposal, we leverage our private lender network. These approvals are based on the equity in your home, providing a temporary safety net while you rebuild.
Credit Rebuild Roadmap
A plan for your "graduation." We don't just provide a mortgage; we provide an education. Every alternative solution comes with a 12-to-24-month roadmap designed to improve your credit score so you can eventually "graduate" back to lower-rate institutional lending.
Why Kyle For Credit Recovery?
•Access to Restricted Lenders: I can access the "common sense" lenders that have specialized programs for those in consumer proposals or post-bankruptcy that standard bank reps simply cannot.
•No-Judgment Advocacy: We understand that "life happens." We package your story—not just your score—to show lenders the positive steps you are taking toward financial stability.
•Southwestern Ontario Expertise: We understand the local real estate market in London and surrounding areas, helping us leverage property equity more effectively for alternative approvals.
Low Credit FAQs
Can I still get a mortgage if I am currently in a consumer proposal?
Yes. While traditional banks typically require you to be discharged for two years, we have access to lenders who will provide financing while you are still in a proposal, or even provide the funds to pay the proposal off in full.
How much of a down payment do I need with low credit?
For alternative "B" lending, you typically need a minimum 20% down payment (or 20% equity). For private lending, the requirements are similar, as the lender is relying on the security of the property rather than your credit score.
Will my interest rate be permanent?
No. Alternative and private mortgages are designed to be short-term solutions (1–2 years). Our goal is always to use that time to fix your credit so you can renew into a much lower "A" rate at the end of the term.
Proudly serving London, ON
and surrounding areas!
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CONTACT & AUTHORITY
Kyle Voutour - Mortgage Agent L2
FSRA License #M21001210
Maventure Mortgage Co. #13556
735 Fanshawe Park Rd W #1, London, ON N6G 5B4
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